Stop Losing Wealth to Fees and Complexity. Start Building With Precision.

BEFORE

You earn well but can't answer the fundamental question: "Do I have enough to retire?" Your RRSP, TFSA, pension, and non-registered accounts exist in isolation — no coordinated strategy, no stress testing, no year-by-year projection. Your bank advisor offers generic retirement calculators that assume straight-line returns and ignore sequence-of-returns risk, inflation variability, and tax bracket optimization entirely.

AFTER

Camille Bergeron (Pl. Fin.) builds a multi-decade projection model covering retirement income, education funding, tax optimization, estate transfer, and risk management — stress-tested against adverse scenarios including market downturns of 40%+, disability, premature death, inflation spikes, and prolonged low-return environments. The plan integrates every account type, every income source, every tax credit — producing a year-by-year cash flow map from today through age 95.

BEFORE

You have $1.8 million in retained earnings inside your professional corporation, sitting in GICs because your accountant doesn't do investments and your bank advisor doesn't understand RDTOH. Meanwhile, passive income is eroding your small business deduction — the $50,000 cliff — and nobody's flagged it. You're losing the SBD on every dollar of active business income above the threshold, costing you thousands in additional corporate tax annually.

AFTER

A tax-efficient corporate portfolio designed around the interaction of the small business deduction, RDTOH mechanism (both eligible and non-eligible), passive income thresholds, capital dividend account (CDA), and integration of corporate and personal tax rates. We structure the portfolio to generate the right types of income — capital gains over interest, eligible dividends over non-eligible — to minimize erosion of your SBD. Coordinated quarterly with your external accountant on T2 reporting and inter-corporate dividend planning.

BEFORE

You're drawing from accounts semi-randomly — RRSP here, TFSA there — without considering CPP/QPP timing, OAS clawback thresholds ($90,997 in 2024), RRIF minimums, or sequence-of-returns risk. Every year, you're leaving thousands in unnecessary tax on the table. Your advisor never mentioned that delaying CPP to age 70 increases payments by 42%, or that strategic RRSP drawdowns before age 72 can eliminate six figures in lifetime OAS clawbacks.

AFTER

A year-by-year withdrawal roadmap optimizing CPP/QPP commencement age, RRSP-to-RRIF conversion timing, OAS clawback mitigation through income smoothing, pension income splitting between spouses, and TFSA as a tax-free emergency and growth buffer. Monte Carlo simulation stress-tests your plan against 10,000+ scenarios of sequence-of-returns risk, ensuring your money outlasts you — not the other way around. Updated annually as tax brackets, benefit thresholds, and your life circumstances evolve.

BEFORE

Your foundation's board manages a $6.2 million endowment through a single bank-owned balanced fund with a 1.89% MER. The disbursement quota plus fees means the real value of the endowment is eroding at 1–2% per year in purchasing power. Board members lack investment expertise to fulfill their fiduciary responsibilities, and nobody has documented an Investment Policy Statement since the fund was established.

AFTER

A formal IPS aligned with your perpetual time horizon and CRA disbursement requirements. Diversified portfolio across seven asset classes including Canadian equities, U.S. equities, international developed, emerging markets, fixed income, real assets, and alternatives. Annual board education sessions on fiduciary duties and market outlook. All-in costs reduced to approximately 0.52%. Your endowment grows in real terms while maintaining full disbursement compliance — preserving your charitable mission for generations.

BEFORE

Your bonds are in your non-registered account (fully taxable at your marginal rate). Your Canadian dividend stocks are in your RRSP (wasting the dividend tax credit that could save you 15–25% in tax). Your U.S. equities are in your TFSA (where you can't recover the 15% U.S. withholding tax under the Canada-U.S. tax treaty). Tax leakage everywhere — and your advisor never mentioned "asset location" because the concept doesn't generate commissions.

AFTER

Strategic asset location placing tax-inefficient assets (bonds, REITs, high-turnover strategies) inside registered accounts; Canadian dividend equities in non-registered accounts to capture the dividend tax credit; U.S. equities in RRSPs to recover withholding tax under the Canada-U.S. treaty (Article XVIII). Systematic tax-loss harvesting throughout the year to realize capital losses and offset gains. Prescribed rate loan structures for income splitting between spouses where applicable. Every decision documented and coordinated with your accountant.

BEFORE

You enrolled in a group RESP plan with high fees (often 2.5%+ in early years), rigid contribution schedules, and penalties for missed payments. You're not capturing the full CESG carry-forward — potentially missing $500 per year in free government grants — and you've never heard of the QESI (Quebec Education Savings Incentive), which adds up to $3,600 per child in additional provincial grants. Meanwhile, your plan's "scholarship trust" structure means your child may receive far less than the headline amount if they don't attend a qualifying program.

AFTER

Self-directed RESP with investment selection based on each child's time horizon — growth-oriented equities for newborns, transitioning to fixed income and cash equivalents as post-secondary enrollment approaches. Full CESG matching ($7,200 lifetime per child, including carry-forward provisions). QESI optimization for Quebec residents ($3,600 lifetime per child). Withdrawal strategies that minimize tax on Educational Assistance Payments (EAPs) by splitting across tax years and maximizing the student's basic personal amount. Projected accumulation: approximately $94,000 per child by age 18 with $2,500 annual contributions starting at birth.

BEFORE

You're a first-generation investor with significant savings but no framework for understanding capital markets, fees, risk, or behavioral biases. Every advisor you've met wanted to sell, not teach. You don't know the difference between an MER and a TER, you can't read a portfolio statement with confidence, and you're making emotional decisions during market volatility because nobody gave you the tools to do otherwise.

AFTER

Three to five guided one-on-one sessions covering asset class fundamentals (equities, bonds, alternatives), compound fee mathematics, behavioral biases (loss aversion, recency bias, herding, confirmation bias), portfolio statement literacy, Canadian registered account structures, and our evidence-based investment philosophy. Investment literacy scores tracked before and after. No portfolio changes until you feel confident and ready — because informed clients make better long-term decisions, and that's good for everyone.

BEFORE

Your investment accounts, beneficiary designations, insurance policies, and will haven't been reviewed in coordination for seven years. Your estate freeze hasn't been discussed. Your adult children have no understanding of the succession plan — or even that one exists. A $2 million deemed disposition at death would trigger a tax bill exceeding $400,000 with zero liquidity planning, forcing a fire sale of assets at the worst possible time for your family.

AFTER

Coordinated estate planning working alongside your notary and tax advisor — account registrations, beneficiary designations, trust structures (inter vivos and testamentary), estate freezes, spousal rollovers under subsection 70(6), and life insurance alignment to cover deemed disposition liabilities. Testamentary trust planning for minor beneficiaries. LCGE (Lifetime Capital Gains Exemption) optimization in business succession scenarios. Family meetings facilitated to ensure all stakeholders understand the plan and their roles within it.

BEFORE

You suspect you're paying too much and getting too little, but you don't have the technical knowledge to evaluate your current advisor's performance objectively. Your statements show returns but not benchmarks. Your fees are buried inside fund MERs where you can't see them. You've been told you're paying "1%" but nobody's added up the trailing commissions, fund-level trading costs, and FX conversion spreads that push the real number above 2%.

AFTER

A comprehensive, written assessment covering asset allocation analysis, total fee decomposition (including embedded trailers, DSC schedules, fund-level trading expense ratios, and FX costs), tax efficiency review, diversification gap analysis, risk factor exposures, and a 10-year projection comparison of your current path versus an optimized alternative. You receive a clear, jargon-free report you can use — whether you become a client or not. Zero obligation, zero pressure.