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.
“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.”
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.
Our process moves clients through four distinct stages to contain chaos and rebuild their financial system with intention. We address both the human and technical side of change, providing the right support at the right time.
This is the period leading up to an expected change. It's often a mix of excitement and anxiety, where the focus is on the logistics of the event itself, while the future after it can feel abstract and unreal.
How we help:
We act as your thinking partner to de-risk the future. We run scenarios, stress-test assumptions, and build the financial infrastructure needed for what's next, asking "what if?" so you're prepared for multiple outcomes.
This stage marks the moment the change happens and an old reality officially ends. It can unleash a flood of powerful emotions, from relief to disorientation, making this the time when you are most vulnerable.
Our first job is to protect you from costly mistakes. We implement a "Decision-Free Zone," a deliberate pause on all major decisions, creating a safe space for you to process the event without doing financial harm.
The longest and often most challenging stage, Passage is an in-between state where the old life is gone but a new one isn't fully formed. It can feel adrift as you explore new identities.
We provide structure in the uncertainty. We use specific tools to help you visualize different futures and connect your money to a new sense of purpose, all while keeping financial guardrails in place to prevent premature commitments.
The final stage is where the change is integrated and a new identity solidifies. It brings a sense of acceptance and stability as new routines feel natural, restoring a sense of control over your life and finances.
We formalize and automate your new system. We implement the long-term plan, establish new review cadences, simplify accounts, and ensure your entire financial structure is robust and efficient for your new life.
We bring together the investment, planning, and administrative expertise of a full family office; integrated through one advisory team and coordinated with your accountant, lawyer, and other advisors.
Canadian families and individuals with meaningful complexity, multiple accounts or entities, concentrated positions, cross‑border considerations, or multi‑generational goals. Most have $1M+ in investable assets, but fit and complexity matter more than thresholds.
We map your balance sheet and cash flows, consolidate accounts and documents, identify quick wins (tax, risk, liquidity), and establish a written plan and Investment Policy Statement. We also set the cadence for coordination with your accountant and lawyer.
No. Many families begin with planning and coordination, then transition portfolios over time. We can manage assets where appropriate and advise on held‑away accounts so the whole plan stays aligned.
We act as your coordinating advisor: shared agendas, clear responsibilities, and one calendar. We prepare materials in advance, run point on follow‑ups, and ensure tax, legal, insurance, and investment decisions integrate into one plan.
Transparent, fee‑based compensation. For discretionary portfolios we charge an asset‑based fee; for planning and coordination we outline the scope and associated fees up front. Our incentives are aligned with long‑term outcomes.
Typical starting point is around $1M in investable assets, but we prioritize fit and the value of coordination. If you’re facing complexity, we’re happy to start the conversation.
We'll help you bring the moving parts together.