Cash flow & goals
- a.Where every dollar goes each month
- b.Emergency fund and debt order
- c.Goals priced and dated
Independent financial advisor · fee-only
Wealthora plans retirement, investments and tax for families and business owners. One flat fee, no commissions, and a plan you can read in ten minutes.
- $0.0Badvised for clients
- 0families on a plan
- 0years as fiduciaries
Plan review · 45 min · freeYour plan, live
Lasts to age 88Retire at 65 · spend $85k a year · 4% growth
Retire 65 · $1.3M
4271100
Trusted by 1,400 families
- CFP® professionals
- Fee-only fiduciary
- SEC-registered adviser
- 4.9 ★ from 212 reviews
▲Retired 7 years earlierJ. & M., 51▲Tax bill down $18,400Dr. K., 44▲College fully fundedThe Parks▲Lasts past 95R. & L., 58▲Fees cut 61%S. T., 62▲Mortgage paid 9 years earlyA. & D., 39▲Pension choice worth $212kM. R., 64▲Business sale, tax-smartOakline Co.
Where every plan starts
Most people don't need more products. They need straight answers to three questions — and a plan that keeps answering them as life changes.
- 01
Am I saving enough?
We turn your goals into one monthly number — and show what happens if you save a little more or a little less.
$1,850a month keeps this family on track - 02
When can I retire?
Your age, your pension, your spending and the markets, modelled year by year until the answer is a date you can plan around.
58the age one couple stopped working - 03
Am I paying too much tax?
Account order, Roth conversions, charitable giving and when to take income — the quiet moves that add up over twenty years.
$18.4ksaved in one year for a surgeon
What we plan
How we think about time
A plan is the whole line: the home, the tuition bills, the day you stop working, what you leave behind.
Then we turn it into this year's list — dated, sized, and done with you.
You, 42
38Bought the house
49College, two kids
60Retire
63The long trip
70Grandkids' fund
88Legacy gifts
405060708090
How it works
You always know what happens next, who is doing it and what it costs.
Start with step one- 01
A free plan review
45 minutes on video. Bring your questions and a rough idea of your accounts — we'll tell you honestly if we can help.
Week 1 - 02
Your written plan
We gather the numbers and hand you a plan you can read in ten minutes, with the three moves that matter most.
Weeks 2–3 - 03
We put it to work
Accounts opened or moved, investments set, tax moves booked. You approve every step.
Week 4 - 04
A check-in every quarter
Markets move and life happens. Four times a year we update the plan and the list.
Every 3 months
What it costs
Most advisors charge 1% of everything you own — every year, forever. We charge a flat fee for the work, and it doesn't grow when your money does.
You keep $0k more over 20 years
Plan
$2,400onceA written financial plan and the three moves that matter, with a 90-day follow-up.
- Full plan document
- Tax & retirement modelling
- 90-day check-in
Ongoing
Most chosen$400a monthYour plan kept current, investments managed, and an advisor who picks up the phone.
- Everything in Plan
- Managed portfolios
- Quarterly reviews
- Tax filing support
Family office
$1,200a monthFor business owners and families with complex estates, several generations or a company to sell.
- Everything in Ongoing
- Estate & trust work
- Business sale planning
- A dedicated team
Who you'll work with
Every client has a lead advisor and a planner behind them. No call centre, no hand-offs, no one selling you a product.
SpecialtyRetirement income and pensions
SpecialtyInvestments and business owners
SpecialtyTax strategy and equity compensation
SpecialtyTrusts, gifts and family wealth
“We stopped working at 58. On paper, it happened when we were 44.”
Case files
- Case 01
The late starters
51 and 49, two teenagers, $380k saved, no pension.
Before · 79With a plan · 96- 1Moved $1.1k a month to tax-free
- 2Retire at 63, not 60
- 3Sold the rental, bought an annuity slice
- Case 02
The surgeon
44, high income, high tax, stock options vesting.
Before · 84With a plan · 100+- 1Backdoor Roth every January
- 2Options exercised over 3 years
- 3Donor-advised fund for giving
- Case 03
The widow
67, sudden decisions, three accounts she'd never seen.
Before · 81With a plan · 98- 1Every account in one view
- 2Pension taken as income, not lump sum
- 3Gifts to grandchildren written down
- Case 04
The business sale
58, selling the company, one chance to get it right.
Before · 88With a plan · 100+- 1Sale spread over two tax years
- 2Proceeds split into three buckets
- 3Family trust for the next generation
0%of clients renew every year
0 yrsaverage client relationship
$0commissions, ever
0.0 ★from 212 Google reviews
Why families stay
Money notes
- Retirement
How much do you really need to retire?
The 4% rule, what it misses, and the number we actually use with clients.
Read · 8 min - Tax
Roth conversions, explained on one page
When they pay off, when they don't, and the years to watch.
Read · 6 min - Investing
Why we rebalance only four times a year
Less trading, fewer taxes, the same risk.
Read · 4 min - Family
The folder every family should have
Accounts, passwords, wills and who to call — in one place.
Read · 5 min
Questions
Only by you. A flat fee agreed up front — no commissions, no percentage of your assets, no products to sell.
Yes. 45 minutes on video, no obligation. If we can't help, we'll say so and point you to someone who can.
No asset minimum. The Plan works for anyone with a question worth answering — Ongoing suits people with investments to manage.
With a large independent custodian, in your name. We can advise and trade — we can never withdraw.
Very often that's when it matters most — income order, taxes and what you leave behind.
Yes — pay, pensions, succession and the sale, planned together with your accountant.
Low-cost index funds, set by your plan and rebalanced four times a year.
Your first step
Forty-five minutes on video with an advisor. You leave with three things to do next — whether or not you hire us.
- ✓Free, no obligation
- ✓An advisor, never a salesperson
- ✓Three next steps, in writing
Pick a time
You'll talk to Helena Marsh, CFP®