You should know what you’re paying, what you get in return, and whether you’re paying for advice, investment management, or both. Every price is on this page.
You don’t have to move your money to get our advice.
Get an answer to a specific question, a complete plan you own, or a partner who manages it all with you. All three are welcome here.
Sometimes you just need an expert opinion.
A complete retirement plan built around your life.
Planning shouldn’t stop when the plan is finished.
Sit down with an experienced advisor and get clear guidance on a specific decision. Hourly advice may be right if you’re thinking about:
The price depends on how many moving parts your situation has. We’ll recommend one in our first conversation, and you’ll have a fixed price in writing before we begin.
| Blueprint | What’s included | Fee |
|---|---|---|
| EssentialsA clear retirement income picture | Retirement income projections · CPP and OAS timing · savings and withdrawal plan · cash-flow plan · presentation meeting and written Blueprint | $2,500 |
| CompleteMost retirees and pre-retirees | Everything in Essentials, plus tax-smart withdrawal order and RRIF timing · OAS clawback review · pension analysis · investment and risk review · estate, beneficiary and insurance review · longevity and future-care planning · scenario and stress testing · the RetirementIQ Red Folder · a follow-up meeting | $3,500 |
| ComplexMore moving parts | Everything in Complete, for business owners, corporate or rental assets, pension commuted-value decisions, blended families or cross-border situations | $5,000 |
Once your Blueprint is complete, it’s yours. Carry it out yourself, take it to another financial institution, or ask us to help you put it in place.
Retirement can last 30 years or more, and markets, tax rules and families change along the way. Ongoing partnership combines your plan, your investments and continuing advice for one fee, based on the assets we manage: 1% a year, and lower on assets above $1 million. It rises when your portfolio grows and falls when it falls, and we will show you exactly what it means for you, in dollars, before you decide.
Planning, portfolio management, rebalancing, income and tax strategy, CPP and OAS coordination, estate reviews, regular meetings and ongoing access to Krystian. No extra charge for plan updates.
The investments themselves have their own costs, such as ETF or mutual fund management expense ratios. We show you these before you invest, and they appear in your annual reporting.
HST applies to advisory fees. Fees on non-registered accounts may be tax-deductible; fees on RRSPs, RRIFs and TFSAs are not. Your tax professional can confirm what applies to you.
Under new Canadian rules known as CRM3, investment dealers began tracking the embedded costs of investment funds on January 1, 2026. Starting in 2027, your annual statement must show what your funds cost you each year, in dollars and as a percentage: management expense ratios (MERs) and trading expense ratios (TERs).
For many investors, it will be the first time they see these costs in dollars. With many mutual funds, the cost of advice has always been inside the fund, so it never appeared as a separate line. We show you our advisory fee and your fund costs, in dollars, before you invest, so your statement simply confirms what you already know.
Not sure what you pay today? Bring your current statement to a complimentary Retirement Clarity Call and we will show you your total cost in dollars.
Maybe you’re comfortable with your investments but want a second opinion on your retirement strategy. That’s perfectly fine.
We’ll review your situation, point out gaps and opportunities, and give you recommendations to discuss with your current advisor. A second set of experienced eyes can make a real difference.
Clear guidance on one or two decisions, with no further commitment.
$300 an hour “I want a complete retirement plan.”Retirement BlueprintSee how every piece of your retirement fits together, in a plan you own.
$2,500 to $5,000, fixed “I want someone to manage it all with me.”Ongoing partnershipPlanning, investment management and ongoing guidance, working together.
1% a year, lower above $1MIf you start with hourly advice or a Blueprint and become an ongoing partnership client within 12 months, we credit what you paid in full against your advisory fees. You never pay twice for the same advice.
Then you decide whether to go ahead. Understanding your financial future should include understanding what you pay for it.
Yes. The first 30-minute conversation is complimentary, with no obligation to transfer your investments and no pressure to proceed. We’ll recommend the option that fits, even if it’s the smallest one.
No. Hourly advice and Blueprints are advice only. Many people take their Blueprint to their current advisor or carry it out themselves.
It’s calculated on the value of the accounts we manage and deducted directly from your account, so you never write a cheque. Every deduction appears on your statements.
Ongoing partnership includes a lot of hands-on work every year. Below $500,000, a Blueprint or hourly advice is usually better value, and we’ll tell you so.
No. Investments in a fee-based account don’t carry sales commissions or deferred sales charges. Product costs such as fund management expense ratios still apply, and we show them to you before you invest.
If you choose to buy insurance through us, the insurance company pays a commission. We’ll tell you about it before you buy, and buying insurance is never a condition of our advice.
Yes. There are no exit penalties from us. Standard account transfer fees set by the dealer may apply, and we’ll tell you what they are up front.
Advisory fees on non-registered accounts may be deductible. Fees for registered accounts and fees for financial plans generally are not. Please check with your tax professional.
It is the third phase of Canada’s client relationship model. Dealers began collecting fund cost data on January 1, 2026, and starting in 2027 annual statements must show the ongoing costs of owning investment funds and segregated funds, including MERs and TERs, in dollars and percentages. It adds to the advisory fees and charges that statements already report.
Let’s talk about where you are today, and where you want retirement to take you.
RetirementIQ is a registered trade name of Designed Securities Ltd. All fees are in Canadian dollars and subject to HST. Fees and services are set out in a written agreement before any work begins and may change with notice. Fee-based accounts are offered through Designed Securities Ltd. Product costs, including management expense ratios, are separate and disclosed before you invest. This page is general information and is not tax advice.