.png)
Our Services
Smart Money Services That Actually Work
From tax filing to debt freedom, get personalized financial support designed for real Canadians navigating real life.
Every service is a focused 1:1 session built around your actual numbers, not generic advice. Pick the session that fits where you are right now, or scroll to bundles to save.
Free 30-minute clarity call
Not sure where to start? This is your first step. In 30 minutes, we'll cut through the noise, pinpoint your biggest money challenge, and map out exactly where to focus first: no jargon, no pressure, no judgment.
​
Duration: 30 mins
Price: FREE
What we'll do together
-
Review your current financial picture (income, debt, goals)
-
Identify your top 1 - 2 money priorities
-
Outline simple, realistic next steps you can take immediately
-
Recommend the right Money Wise service for your situation
You'll walk away with
-
Clarity on where your money is actually going
-
A clear sense of what to tackle first
-
Confidence that there's a plan and you're not alone in it
Who is this for
Anyone who feels stuck, overwhelmed, or like they're working hard but not getting ahead. If you've been putting off dealing with your money, this is the session that changes that.
Budget Planning
You're making money. So why does it feel like there's never enough? This session builds a spending plan that actually reflects your real life, not a rigid spreadsheet you abandon in week two.
​
Duration: 1.5 hour
Price: $149
What we'll do together
-
Analyze your income, expenses, and spending patterns side by side
-
Find where money is leaking and build a plan to redirect it
-
Set up a budgeting method that fits your personality (50/30/20, zero-based, or hybrid)
-
Map out savings goals, debt payments, and emergency fund contributions in one clear plan
You'll walk away with
-
A custom budget template built around your income and goals
-
A simple tracking system you'll actually use
-
Clear, immediate action steps, no guesswork
Who this is for
-
Anyone earning decent money but not seeing it accumulate
-
People facing a major life change: new job, baby, home purchase, or layoff
-
Couples who need to get on the same financial page
Debt Management
Debt doesn't define you, but ignoring it costs you. This session gives you a real payoff strategy, not just motivation. We'll build a step-by-step plan so you can stop paying minimums and start making actual progress.
​
Duration: 1 hour
Price: $149
What we'll do together
-
Audit every debt: credit cards, lines of credit, loans, student debt
-
Calculate your true debt-to-income ratio and total interest cost
-
Choose the payoff method that fits your psychology and budget (avalanche, snowball, or hybrid)
-
Build a realistic monthly payment plan and set up automation
-
Explore consolidation, refinancing, or creditor negotiation where relevant
You'll walk away with
-
A personalized debt payoff roadmap with actual target dates
-
A monthly payment breakdown and progress tracker
-
Strategies to stop accumulating new debt while paying off the old
Who this is for
-
Anyone with multiple debts who feels overwhelmed by where to start
-
People who've been paying minimums for months without seeing the number move
-
Individuals weighing consolidation, a consumer proposal, or other options
First-time Hom Buyer Financial Prep
Buying your first home is the biggest financial decision you'll make, and most people go in underprepared. This session cuts through the noise and gets you financially ready before you step into a single open house, so you're not just pre-approved; you're actually prepared.
​
Duration: 1 hour
Price: $175
Note: This session is financial planning and coaching not mortgage or legal advice. For mortgage products and legal closing matters, I'll point you to the right professionals.
What we'll do together
-
Review your current financial picture: income, savings, debt, and credit
-
Calculate what you can realistically afford, not just what the bank will lend you
-
Break down every cost you need to plan for beyond the down payment: land transfer tax, legal fees, home inspection, moving costs, and cash reserves
-
Map out a savings timeline and account strategy (FHSA, RRSP Home Buyers' Plan, TFSA) to maximize every dollar going toward your purchase
-
Review how a mortgage will impact your monthly budget and what to watch for when comparing lenders and rates
You'll walk away with
-
A clear homebuying readiness score so you know exactly where you stand today
-
A personalized savings roadmap using the right registered accounts for your situation
-
A total cost breakdown so there are zero surprises on closing day
-
Confidence to talk to a mortgage broker or realtor without getting taken advantage of
Who this is for
-
First-time buyers who want to understand the full financial picture before committing
-
Renters who are serious about buying in the next 1–3 years and want to start preparing now
-
Anyone who got pre-approved but isn't sure if they're actually ready to buy
-
Couples aligning on what they can afford and how to get there together
Saving & Investing Fundamentals
You don't need a six-figure salary to start building wealth. You need a strategy. This session breaks down exactly where your money should go first and why so you can start growing your savings with confidence, not confusion.
​
Duration: 1.5 hr
Price: $149
What we'll do together
-
Review your current savings rate and identify realistic room to grow
-
Break down the Canadian registered account landscape: TFSA, RRSP, FHSA, RESP and what each does and which to prioritize for your situation
-
Build a simple, low-cost investing starting point (index funds, ETFs, HISA) matched to your risk comfort
-
Create a savings automation plan, so it happens without willpower
You'll walk away with
-
A clear savings priority order tailored to your income and goals
-
A starter investment framework you can act on immediately
-
Confidence in the difference between saving and investing, and when to do both
Who is this for
-
Anyone who has been meaning to start investing but doesn't know where to begin
-
People with money sitting in a regular chequing account earning nothing
-
New Canadians navigating the registered account system for the first time
Personal Tax Filing & Optimization
Tax season shouldn't cost you money. Whether you're filing a straightforward T1 or juggling self-employment income, rental property, and investment gains, I handle the full filing process with one goal: keep more of what you earned.
​
Pricing:
-
Simple returns (employment income, basic deductions): Starting at $150
-
Complex returns (self-employed, rental, investments): Starting at $250
Pricing depends on complexity.
I'll provide a clear quote after reviewing your tax situation.
Duration: 1 hour (initial consultation + filing)
What we'll do together
-
Review all income sources, slips, and eligible deductions
-
Identify every credit and benefit you qualify for, many clients recover $500–$2,000+ in missed savings
-
Prepare and EFILE your return accurately and securely through CRA's certified system
-
Walk you through your results so you understand exactly what was filed and why
You'll walk away with
-
A completed, filed return, reviewed for errors before submission
-
A clear breakdown of your refund or balance owing and what drove it
-
Personalized tips to reduce next year's tax bill before it happens
Who this is for
-
Employees with T4 income, RRSP contributions, medical expenses, or charitable donations
-
Self-employed individuals and freelancers with T2125 business expenses, home office, or vehicle claims
-
Rental property owners navigating Schedule T776, CCA, and repairs vs. capital improvements
-
Investors with capital gains, dividend income, or foreign property (T1135)
Optional Add-Ons Available:
-
Year-round CRA notice support (fixed fee or hourly rate)
-
Prior-year filing for missed returns
-
Tax planning consultations to reduce next year's bill
​
T2 Corporate Tax + Bookkeeping services
Running a corporation means more tax complexity but also more opportunity to structure things in your favour. This service covers your T2 corporate return and keeps your books clean year-round so there are no surprises at filing time.
​
Duration: By Scope
Price: Starting at $750 (T2 filing) | Bookkeeping from $200/month
​
What we'll do together
-
Prepare and file your T2 corporate income tax return
-
Review corporate expenses, salary vs. dividend strategy, and HST obligations
-
Set up or clean up your bookkeeping system (QuickBooks, Wave, or spreadsheet-based)
-
Reconcile accounts and organize records for CRA compliance
-
Advise on small business deductions and tax-efficient compensation planning
You'll walk away with
-
A filed T2 return with a clear summary of your corporate tax position
-
Organized, CRA-ready books, no scrambling at year-end
-
A compensation strategy (salary vs. dividends) tailored to your personal and corporate tax situation
Who is this for
-
Canadian-controlled private corporations (CCPCs) needing annual T2 filing
-
Small business owners whose books are a mess and need a clean start
-
Incorporated freelancers and consultants managing both personal and corporate taxes
Bundle Services
One session starts the conversation. A bundle changes the outcome. More focus, more progress, better value.
Save more, do more!
The Money Reset Bundle
Most people need both. This bundle pairs your personalized budget with a clear debt payoff roadmap so your money has a direction and your debt has a deadline.
​
Includes: Budget Planning + Debt Management
Price: $279 (save $19)​
What we'll do together
-
90-minute budget session + 60-minute debt strategy session (can be booked same day or across two weeks)​
-
Full income and expense analysis, spending plan, and debt audit in one seamless process​
-
Build a single integrated plan: money in, debt out, savings growing
You'll walk away with
-
A custom budget template + a debt payoff roadmap​
-
One unified monthly plan that covers spending, saving, and debt reduction​
-
A progress tracker and 30-day check-in to keep you on track​
-
Bundle A: The Money Foundation Duo Books 1 and 2 (Credit Score + Debt-Free)
Who this is for
-
Anyone who feels behind on both budgeting and debt and wants to tackle both at once​
-
People who tried budgeting but couldn't stick to it because debt kept derailing the plan
The Money Foundation Bundle
Build the full financial foundation in one package. First we get your spending under control, then we put your money to work.
Includes: Budget Planning + Saving & Investing
Price: $369 (save $28)
What we'll do together
-
90-minute budget session followed by a 90-minute savings and investing session​
-
Create a spending plan that frees up real room for savings, then build a strategy for where that money goes​
-
Set up registered accounts and automation so wealth-building happens in the background
You'll walk away with
-
A custom budget template + a savings and investment starter plan​
-
A clear account priority order (TFSA, RRSP, FHSA) and a beginner investing framework​
-
Automation in place so you're saving without thinking about it​
-
Bundle B: Build Wealth From Scratch Books 1, 2, and 3 (Credit, Debt, Budgeting)
Who this is for
-
Anyone starting fresh and wanting to get both their spending and saving sorted in one go​
-
People who've paid off debt and are ready to start building but don't know where to begin
What we'll do together
-
Three focused sessions (can be spread over 3–4 weeks)​
-
Build your budget, build your payoff plan, and build your wealth strategy in sequence, so each session builds on the last​
-
End with a single integrated financial plan that covers every major money area
You'll walk away with
-
A personalized budget, debt payoff roadmap, and investment starter plan​
-
One clear monthly money plan that you can actually follow​
-
Email support between sessions to keep you accountable
-
Bundle B: Build Wealth From Scratch Books 1, 2, and 3 (Credit, Debt, Budgeting)
-
Bundle C: The Investor's Toolkit Books 4 and 5 (Investing 101 + Canadian Investing Guide)
Who is this for
-
Anyone who wants to tackle their full financial picture at once
-
People who've tried fixing one thing at a time and keep falling off track
-
Individuals or couples ready to make a real, lasting change
Tax + Coaching Bundle
Get your taxes filed and leave with a financial plan for the year ahead, in one seamless package.
​
Duration: 1 hourIncludes: Personal Tax Filing + one 90-minute coaching session (Budget or Debt)
Price: $399 (save $25+)
What we'll do together
-
Complete your T1 personal tax return and review every credit, deduction, and optimization opportunity
-
Follow up with a 90-minute budget or debt session (your choice) to apply your refund or any tax savings strategically
-
Build a simple tax reduction strategy for next year while your current situation is top of mind
You'll walk away with
-
A completed, filed tax return + a personalized financial action plan
-
A clear plan for how to use your refund (debt, TFSA, RRSP, emergency fund)
-
Tax-saving moves to implement before the next filing season
-
Options to choose: Bundle A or B
Who is this for
-
Anyone who gets a refund every year but spends it without a plan
-
Clients filing taxes who also want to get their finances in order for the rest of the year
