Fee-only financial planner Ottawa2023-11-20T18:47:54+00:00

Professional long-term financial planning to grow your assets

All Great Things Begin With A Dream

All Great Things Begin With A Dream

But without a plan, a dream is just that – a dream.

MDL offers a sound, long-term financial plan to grow your assets to their fullest potential. We will integrate your current tax optimization needs, insurance requirements, and estate into a comprehensive financial plan. That way, every aspect of your financial life is optimized and works harmoniously to build your financial future.

Helping you every step of the way

MDL Financial will manage the complexities of building a coherent financial plan. Our comprehensive approach will provide you and your loved ones with a secure financial future and peace of mind. Peace of mind means making room to enjoy life’s sweetest moments, today and tomorrow.

Planning is the first and most crucial step in building and securing a solid financial future for you and your loved ones. An MDL Certified Financial Planner will develop your financial plan specific to your needs, focusing on what it takes to secure and optimize your financial plan over the long term. We will help you with critical decisions about cash flow, investments, taxes, and insurance needs as you plan for your eventual retirement.

Unbiased and Customized Financial Plans

Fully transparent fees and personalized advice delivered by a qualified financial planner.

Choose from 1 of the 4 options below:

Retirement plan for individuals & households

Retirement plan for individuals and households features:

  • Needs analysis & goal setting
  • Insurance review & recommendation
  • Investment portfolio review & recommendation
  • Retirement projections

$1,650

Comprehensive financial plan for households

Everything in Retirement plan for individuals and households PLUS:

  • Retirement projections (multiple scenarios)

  • Retirement income projections
  • Net worth statement
  • Personal tax plan (CPP/OAS, RRSP Meltdown, Credits and deductions etc.)
  • Estate funding analysis & report
  • Wills & POA review
  • Financial plan report + one page plan
  • Education planning

  • DB Pension plan. Including commuted value comparison
  • Cross-border planning US/CDN (Call for Pricing)

$4,500

Comprehensive financial plan for corporations

Everything in Comprehensive financial plan for households PLUS:

  • Employee Benefits planning
  • Owner compensation analysis
  • Corporate tax planning (CDA, RDTOH etc.)
  • Plan includes: Optco/Holdco, w/single rental property
  • Charitable giving
  • Buy-sell arrangements
  • Key personal planning
  • Multiple corporations + multiple rentals
    (Call for pricing)

  • Family trust planning
    (Call for pricing)

  • Cross-border planning US/CDN
    (Call for pricing)

$6,500

Full-service investing w/planning

Everything in Comprehensive financial plan for corporations PLUS:

  • Invitiation to exclusive educational events

  • Investment account management
  • Portfolio rebalancing
  • Tax loss harvesting
  • Portfolio summary & performance reports (annual)
  • Insurance product management
  • Net worth monitoring
  • Collaboration with other advisors (CPA, Lawyer etc.)
  • Ongoing support
  • Annual review meeting

Our Financial Planning Process

Establishing the client-advisor fit

Step 1: Establishing the client-advisor fit

We explore if our services are a fit for your needs. We explain and document the services to be provided as well as define the key roles & responsibilities in the engagement.

Step 2: Financial intake and goal setting

We will ask about your financial situation, personal and business financial goals and assess your tolerance to risk. We then gather all necessary documents and financial information at this stage before giving you any sound advice.

Financial intake and goal setting
Analyzing and evaluating the client's financial situation

Step 3: Analyzing and evaluating the client’s financial situation

We analyze the information to assess your current situation to determine what must be done to achieve your goals and aspirations. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, articles of incorporation (business), current insurance coverage, investments, wills and POA or tax strategies.

Step 4: Developing and presenting the financial recommendations

We will offer our expert advice and recommendations that address your goals, based on the information you have provided. We review your financial plan with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.

Developing and presenting the financial recommendations
Implementing the financial plan

Step 5: Implementing the financial plan

We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as an accountability partner, coordinating the process with you and other professionals such as lawyers and/or mortgage brokers or you may simply chose to implement the recommendations on your own.

Frequently asked questions

If you do my financial plan, must I invest with you?2023-10-30T15:56:26+00:00

Not at all. We charge for advice and for the plans we develop. After that you are free to hire anyone you like to handle the investment process.

Are you tied to any specific investment products?2020-09-19T01:29:21+00:00

We are a completely independent advisory service. We are not connected to any financial institution or its products. Our goal is to find the best combination of products that are available and will help you achieve your goals.

Do you take commissions from financial institutions?2023-03-08T19:16:31+00:00

No. We do not receive any commissions on investment products from our financial planning clients. For those who choose our Wealth Management Service, we take a fee as a percentage of the assets we manage. These are fully disclosed. According to industry practice, we can receive a commission on insurance purchases. All of our fees and commissions are transparent. We voluntarily provide all information without being asked.

Do you share fees with other professionals?2020-09-19T01:29:21+00:00

No. Although we are often asked to make recommendations of professional specialties, we do not accept any commissions or fee splits.

Ready for your free consultation?

Find out how Ottawa’s best financial advisor can help you live the life you’ve always dreamed of.

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