A System for Navigating Financial Transitions

A major life event can unleash a flood of decisions at once. We provide the system and the process to manage that complexity, protecting you from reactive, high-stakes errors.

Calm forest path, symbolizing a guided transition
“When someone is in transition, the most important thing is space. Space to pause, to process, and to plan.

We're not here to rush. We're here to help you make thoughtful decisions when the rest of your world is in flux.”
— Debbie Bongard

Transitions are a shock to your financial system.

A business sale or divorce isn't just a life event; it's a financial earthquake that introduces complexity when you're least able to manage it. Standard financial planning maps the technical path, but the biggest risks are behavioral.

Our approach is different. As one of only a few teams in Canada with specialized training from the Financial Transitionist Institute, we use a battle-tested process for managing the human dynamics of change. We install a system to de-risk your decision-making when you're under pressure.

You Might Be in a Transition If…

  • You've just sold your business and aren't sure what comes next
  • You're finalizing a divorce and need a new financial roadmap
  • A parent passed away, and you're now acting as executor
  • You've inherited assets but not the clarity to manage them
  • You're approaching retirement and wondering, "Am I really ready?"
  • A major health event has shifted what the future looks like

These aren't just financial shifts, they're life shifts. And we're here to help you navigate them.

How We Help

1. Pause and Prioritize

When everything feels urgent, we help you sort what needs doing now from what can wait. First we triage, then we plan.

2. Create Calm in the Fog

Big changes often cloud your thinking. Debbie's transitionist training helps us meet clients where they are, emotionally and financially, and guide them at their pace.

3. Rebuild the Plan

Your life has changed. Your plan should too. We rebuild around your new circumstances, goals, and responsibilities; coordinating with your accountant, lawyer, and family as needed.

4. Stay with You After the Dust Settles

The hard part isn't just the moment of change, it's what comes next. We stay involved as your life stabilizes, helping you recheck assumptions and keep your plan aligned.

A Quiet Conversation That Changed Everything

She turned to me and said, 'I've never told her this. But I think I need to.'

A parent was preparing to move into a retirement residence. Her daughter, concerned about the cost, had no idea of her mother's financial situation. They'd never talked about money.

Debbie didn't push. She helped the mother share what needed to be shared, and helped the daughter finally exhale.

Sometimes, the most important thing we do isn't financial. It's creating space for clarity and connection.

Ready to Talk Strategy?

We'll help you bring the moving parts together.

Book a Strategy Session