Our Services & Fees
Financial Planning
Comprehensive Financial Plan
We offer a full, comprehensive financial plan incorporating the following areas:
1. Cash flow and financial management
2. Retirement and future income planning
3. Investment planning
4. Risk management and insurance planning
5. Tax planning
6. Estate planning
Financial Planning can be done on a one-time or on an annual retaining basis.
Financial Plan Consult
Only need advice in specific areas on a one-off or retaining basis? We offer planning and consulting options based on our hourly rate.
First-Time Home Buyers' Planning Package
Are you, or hoping to be, a First-Time Home Buyer? We have a special package to help you plan for your first home purchase to give you peace of mind and confidence when you're ready and able to buy your first home.
Estate Planning Package
We offer a special package to help craft an estate plan to help ensure your wishes are looked after. While we are unable to draft wills, power(s) of attorney, and/or personal directive documents, we can coordinate with your lawyer to ensure your wishes are respected.
Group Financial Planning & Education Packages
Are you an employer, union, professional association, or non-profit looking to offer financial planning as a benefit to your employees/members? We can help plan and empower their finances to help attract and retain your valued talent.
Paraplanning
Are you a financial planning or advisory firm needing professional assistance with developing financial plans for your clients? We're able to help with your financial planning development - from data entry, plan writing, and other administrative items - giving your firm more time to pursue and nurture client relationships.
DISCLAIMER
Divergent Financial Planning's full range of services are available only to residents of Canada except residents of Quebec. As the owner is only accredited as a Financial Planner in Canada, services to non-Canadian residents is limited.
While areas of a financial plan cover estate and tax issues, we cannot provide specific legal or tax advice. Please consult with a lawyer or accountant in your jurisdiction for specifics on legal and tax matters. Divergent Financial Planning recommends you obtain independent legal advice for any specific legal questions you may have.
Fees
Divergent Financial Planning offers financial planning, advice, and consultation services on a project fee basis and/or hourly rate. We do not sell investments, insurance, or other financial services products such as bank accounts.
FEE SCHEDULE (Effective October 4, 2024)
Please note, all prices are subject to GST/HST (ON,NB,PE,NS,NL) and provincial sales taxes as applicable based on client province/territory of residency.
To secure a planning engagement, half of the applicable project fee (plus taxes) is required up front. The remainder of the fee (plus taxes) is due within 15 days of final plan delivery.
Financial Planning Package
Single - $3,000.00
Couple (Joint Engagement) - $3,500.00
Corporation - $5,000
Estate Planning Package
Estate Planning Session - $600
First Time Home Buyers’ Package
[Client(s) must be eligible for the RP Home Buyers Plan as determined by Canada Revenue Agency.]
Single- $1,000.00
Couple- $1,250.00
Paraplanning, Group Financial Planning, Consulting
Pricing based on size/scope of project – contact info@divergentfp.cafor details.
Hourly Rate
$300/hour for completed package follow-ups & non-package/project engagements.
Engagement Cancellation Policy (effective October 4, 2024)
All up fees paid are considered non-refundable as they are for professional services rendered and time spent. Divergent Financial Planning, may, at its discretion, refund fees paid in good faith subject to hours/time spent on engagement, or if required through legally binding means such as arbitration or court order.