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PEAK Investment ServicesTotal Wealth

Financial & Investment Planning

Investment and Financial Planning for Every Stage of Life

Investment, retirement, tax-aware and estate planning for individuals, families and business owners across Canada — brought together into one plan you can actually follow.

Financial Planning Through All Aspects of Your Life

Sound financial advice can make all the difference. Whether you are just starting out, saving for your first home, planning for your children’s education, preparing for retirement, or navigating any stage in between, our team is here to help every step of the way.

We provide hands-on expertise and tailored solutions designed to help you build, protect, and transfer wealth for generations.

Those decisions affect each other, so we look at them as one plan rather than four separate conversations — and we explain the reasoning in plain language every step of the way.

  • Investment planning

    Build a personalized plan and budget designed to help you work toward your financial goals, and support business owners and corporations with strategies tailored to their needs.

  • Retirement planning

    Prepare for retirement with guidance that helps you understand your options, and create strategies for income, government benefits, and long-term financial security before and during retirement.

  • Tax planning

    Identify strategies designed to help minimize tax and improve the efficiency of your financial plan, supporting both personal and business planning.

  • Estate planning

    Plan for how your assets will be transferred to the people and causes you care about most, coordinated with your broader financial plan.

Investment Planning Based on Your Goals

An investment plan should start with what the money is for. A down payment in three years and a retirement thirty years out call for very different approaches, and how much market movement you are comfortable with matters just as much as the timeline.

We talk through your goals, your time horizon and your comfort with risk, then build a portfolio that reflects them. We review it with you regularly and adjust as your circumstances change — not in reaction to short-term market noise.

  • Registered and non-registered accounts

    RRSPs, TFSAs, RESPs, RRIFs and non-registered accounts, coordinated so that the right money sits in the right place.

  • A portfolio matched to your risk comfort

    We establish how much fluctuation you can live with before we invest, not after a difficult market.

  • Regular, plain-language reviews

    You will always know what you own, why you own it, and how it is tracking against your plan.

How Can I Prepare for Retirement?

Preparing for retirement comes down to two questions: what will retirement cost you, and where will the money come from. We work through both.

That means mapping the income sources you will draw on — your RRSPs and RRIFs, TFSAs, non-registered savings, a workplace pension if you have one, and government benefits such as CPP and Old Age Security — and looking at the order and timing of those withdrawals. When you start each source can make a meaningful difference to the tax you pay and to how long your savings last.

If retirement is still some distance away, the same exercise tells you what you need to be setting aside now. If it is close, it tells you whether the plan holds up.

Tax-Aware Financial Planning

Tax is one of the largest costs most people carry, and it runs through nearly every financial decision — which account you contribute to, which investments you hold where, when you draw income, and how you pass assets on.

We build tax awareness into the plan rather than treating it as a year-end scramble: using registered accounts in a sensible order, considering how income is split within a household where that applies, and coordinating withdrawals in retirement.

We work alongside your accountant or tax professional rather than in place of one. Where a decision needs formal tax or legal advice, we will say so.

Planning for Your Estate and Legacy

Estate planning is about making sure what you have built goes where you intend, with as little friction and cost for the people you leave it to as possible.

We review the pieces that sit within a financial plan: beneficiary designations on your registered accounts and insurance policies, how assets are held, the tax that may come due on an estate, and whether there is enough liquidity to cover it without forcing a sale.

Wills and powers of attorney are drafted by a lawyer. Our role is to make sure your plan and your legal documents point in the same direction — and to flag it when they do not.

Financial Planning Through Different Life Stages

What good financial planning looks like changes as your life does. These are the questions that tend to come up at each stage — and where we usually start.
  1. 01

    Starting out

    Building a savings habit, managing debt, deciding between an RRSP and a TFSA, and putting basic insurance in place while it is inexpensive.

  2. 02

    Growing family

    Protecting an income that other people now depend on, starting an RESP, and balancing a mortgage against long-term saving.

  3. 03

    Peak earning years

    Making the most of higher income through tax-aware saving, reviewing whether your coverage has kept pace, and getting a realistic read on your retirement date.

  4. 04

    Approaching retirement

    Turning savings into income, deciding when to start CPP and Old Age Security, and stress-testing the plan before you rely on it.

  5. 05

    In retirement and beyond

    Managing withdrawals tax-efficiently, keeping the plan on track, and making sure your estate intentions are properly documented.

Frequently Asked Questions

The questions we are asked most often about financial and investment planning.

Do I need a certain amount of money to start financial planning?

No. Financial planning is about the decisions you are making, not the size of your account. Some of the most valuable planning happens early, when there is still time for small changes to compound. If you are unsure whether it is worth a conversation, it usually is.

What is the difference between an RRSP and a TFSA?

An RRSP gives you a tax deduction when you contribute, and the money is taxed as income when you withdraw it — which suits saving in higher-earning years to spend in lower-earning ones. A TFSA gives no deduction going in, but growth and withdrawals are tax-free, and withdrawn room is restored the following year. Most plans use both; which one to prioritise depends on your income now compared with what you expect later.

How often should my financial plan be reviewed?

A yearly review is a good baseline, plus a conversation whenever something significant changes — a new job, a move, a marriage or separation, a child, an inheritance, or a change in health. A plan that is never revisited stops reflecting your life fairly quickly.

Can you work with my accountant or lawyer?

Yes, and we prefer to. Wills, powers of attorney and formal tax advice sit with your lawyer and accountant. Our role is to make sure your financial plan and those documents are pointing in the same direction, and to raise it with you when they are not.

What happens at a first meeting?

We listen. The first meeting is about understanding your situation, what you are trying to accomplish and what is concerning you — not about products. There is no cost and no obligation, and you will leave knowing whether we are the right fit for what you need.

Let's start the conversation

Tell us a little about what you are trying to sort out. We will get back to you and suggest a time to talk — no cost, no obligation.

A sentence or two about what you are trying to sort out is plenty.