Our Services & Fees
Financial Planning
We offer a full, comprehensive financial plan incorporating the following areas:
1. Cash flow planning
2. Retirement and future income planning
3. Investment and wealth planning
4. Risk management and insurance planning
5. Tax planning
6. Estate and legacy planning
Please visit our Financial Plan Process page for a detailed overview of the financial planning process.
We have the following financial planning packages available:
Full Service - Ongoing financial planning services encompassing all areas of your financial planning needs with multiple touch points throughout the year for an annual fee. (Minimum 2 year commitment)
One-Time - Development of a one-off financial plan encompassing the 6 key areas of a financial plan. Free once-a-year check-ins after plan development and updates to your plan subject to hourly rates.
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 January 1, 2025)
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.
Annual Full Service Financial Planning Package
Single- $2,000/year
Couple (Joint Engagement) - $2,500/year
Corporation- $3,000/year
One-Time 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 RSP 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.