Pricing

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Invest in a Plan Built for Your Life, Not your portfolio size.

My in-depth, unbiased financial planning services are designed to help you:

Feel more confident

in your money decisions with a clear, step-by-step roadmap

Reclaim your time

by offloading complex research and analysis to an expert

Find your peace of mind

knowing exactly how to transition into retirement tax-efficiently

For employed or retired Canadian residents with straightforward financial structures

Personal Financial Planning

What's Included:

THE FINANCIAL SURVEY: An initial comprehensive projection of your current trajectory.
THE INVESTMENT COMPASS: A personalized Investment Policy Statement to guide your strategy.
WAYPOINT REPORTS: In-depth scenario analyses based on your specific life goals.
THE INVESTMENT ALLOCATOR: A customized tool to help you DIY your ETF portfolio with confidence.
THE JOURNEY MAP: Your final written summary and actionable checklist for success.
IMPLEMENTATION COACHING: Dedicated 1-on-1 support to help you execute your plan.
ONGOING ACCESS: Up to 12 months of support including regular reviews and text/email check-ins.

A typical engagement is 4-7 meetings, dedicated 1-on-1 support to help you execute your plan and up to 12 months of support, including regular reviews and text/email check-ins.

My flat fee for this engagement ranges from $2,400 to $3,000.

For a typical $500,000 portfolio, this represents an annual savings of over $6,000 compared to a standard 1.75% bank or mutual fund fee

For business owners, incorporated professionals, or clients with cross-border considerations (Dual/Non-Canadian Citizens).

Strategic Wealth Planning

What's Included ?

All services in the Personal Plan, plus:

CORPORATE STRUCTURE OPTIMIZATION: Coordinating personal and business cash flow.
ADVANCED TAX PLANNING: Income splitting and variable income strategies for unequal earnings.
SUCCESSION AND EXIT STRATEGY: Planning for the future of your professional practice or business.
COMPLEX DATA ANALYSIS: In-depth research for dual citizenship or international considerations.
COORDINATED ADVISORY: Working alongside your existing accountants or legal team.
COMPREHENSIVE SUPPORT: An extended engagement (typically 5–10 meetings) to ensure every detail is covered.

A typical engagement is 5-10 meetings, dedicated 1-on-1 support, coordination with your existing advisory team and up to 12 months of support including regular review and text/email check-ins.

My flat fee for this engagement ranges from $3,600 to $4,800.

For a $1.5M portfolio, my clients often save over $20,000 annually in management fees. I prioritize your outcomes, not the size of your accounts.

Special Projects & Programs

The Next Generation Initiative

I am proud to support the families I serve. I offer my comprehensive planning services at a $0 consulting fee to the adult children (with investment savings under $50k) of existing Eltero Financial clients.

Employee Financial Wellness

Financial stress is a leading cause of reduced workplace productivity. Retirement counseling is one of the few non-taxable employee benefits in Canada.

I offer customized Financial Literacy Training and Retirement Counseling for teams. Contact me for a custom quote.

Your First Step:

The Clarity Call

Every engagement begins with a free, no-obligation introductory meeting. This is a time for us to discuss the specific questions on your mind, such as:

Am I on track to retire when I want?
What is the most tax-efficient way to withdraw from my accounts?
I’m a DIY investor. How do I know if I’m doing this correctly?

Following our conversation, I will provide a transparent engagement proposal outlining your exact objectives and my fee.