Filia WealthJulien Pellegrain · Vancouver Français

Personal finance

A full financial plan, or a review of one specific point

Most of the people I meet don't really know what they own: an account opened at the bank a few years ago, a workplace pension whose rules they have never read, and very rarely a will. That isn't a criticism; usually nobody has ever taken the time to lay everything out with them.

The financial plan therefore starts with a complete inventory, and we then look together at whether your situation matches what you want to do and what should change. If you only need to look at one specific question, there are shorter options further down this page.

Wooden steps climbing a forest trail, sunlight through the trees
A forest trail near Vancouver.

The financial plan

Launch prices for bookings made before June 30, 2027.

Financial plan

from CAD 2,250

Two sessions and a written plan

We start by listing what you own and what you owe, then look at where your money goes each month. From there we put figures on your plans, whether that's buying a home, the children's education or retirement, and check whether you are on track. We then go through your investments and their fees, how you use your RRSP, TFSA, FHSA and RESP, the most tax-efficient choices, your insurance needs and whether you have an up-to-date will and powers of attorney. You leave with a written plan and a dated list of actions.

The fee depends on how complex your situation is, for example if you have assets in several countries, and I confirm it in writing before we start. For insurance, I assess what you need without selling any policy; for wills and powers of attorney, I help you see what is needed, and your lawyer or notary drafts the documents.

Focused reviews

Portfolio review

CAD 900

90 minutes and a written report

We look at what your investments really cost you once all the fees are counted, and whether the split between shares, bonds and cash suits your time horizon. I also tell you which account each investment is best held in, and suggest a simple rule for rebalancing once a year.

Savings plan

CAD 500

75 minutes and a one-page plan

Together we work out how much you can reasonably put aside each month, then the order in which to fill your RRSP, TFSA, FHSA or RESP, taking into account the deadlines and the government grants you are entitled to.

Protection check-up

CAD 500

60 minutes and a written checklist

We look at whether your family would be protected if something happened to you: how much life, disability and critical illness cover you would need, what your workplace insurance already provides and what is missing. We also check whether you have a will, powers of attorney and the right beneficiaries on your accounts. I don't sell any product, and the legal documents are drafted by your lawyer or notary.

Second opinion on a proposal

CAD 400

45 minutes and written notes

If your bank, an advisor or an insurer has made you a proposal, we go through it before you sign: what it would cost you over 10 and 20 years, whether it fits your goals, and the questions worth asking them.

If you decide to go on to the full plan within three months, the amount you have already paid is deducted from its fee.

After the plan

Annual check-in

CAD 375 a year

One meeting a year

Once your plan is in place, I offer a short meeting each year to bring it up to date, going back over your net worth, your contribution room, the balance of your investments and how your plans are progressing. It is only renewed if you want it to be.

I also give talks for associations and employers, in English or French, on investing in Canada and how the RRSP, TFSA and RESP work, from CAD 450.

How it works in practice

It starts with the short contact form, where you tell me about your situation and what you'd like help with. I reply within two business days with the service I'd suggest and its price. Once you've paid the invoice, I send you a questionnaire and ask for your recent statements, so that I can prepare the session properly.

We then meet by video, or in person if you live in Vancouver, and go through everything together. You can take the time to ask the questions you've been putting off, including the ones that feel basic.

About a week later you receive a written report with your figures, a dated list of the steps I recommend and, where needed, the points I have identified, which your accountant or notary will then act on.

Getting in touch

The simplest way is to describe your situation in a few lines using the contact form. I read every message myself and reply within two business days, telling you which service seems right for you and what it costs. You can also write to me directly if you prefer.

Open the contact form contact@filiawealth.ca