There are five reasons to consider hiring our firm:

1. To turn your nest egg into a reliable paycheque in retirement.

2. To pay CRA less and keep more of your hard-earned money.

3. To reduce risk in your portfolio and generate healthy after-inflation returns.

4. To spend more of your time doing the things you love in retirement.

5. To ensure your family, spouse, and/or heirs have a trusted professional to lean on if something happened to you.

You can learn more about our expertise by checking out the Retiring Canada Podcast, sign up for our weekly newsletter or get your complimentary one-page financial plan.

At Fundamental Wealth we believe there are many elements that must be considered and accounted for when it comes to creating a holistic, comprehensive retirement plan customized to your unique needs, situation, assets and vision for retirement.

To that end, we created the Fundamental Retirement Plan (FRP), which incorporates a structured, customized process that coordinates decisions across the five key areas of a goals-based retirement plan:

1) Investment Allocation - The wrong "ingredients" in your portfolio could be the difference between retiring successfully or running out of money. 2) Income Planning - With your investment allocation in order, we can create a dynamic retirement income that can be adjusted up or down based on your trajectory. 3) Tax Planning - Now that we have your allocation and income plan in order, we can fine tune our tax analysis to help minimize the amount of tax you pay. 4) Health Care Planning - Health is Wealth. We need to factor potential health care and long term care costs, as a mistake here can be devastating.

5) Estate Planning - Lastly, we want to be certain your estate goes to who you want and less goes goes to CRA.

The Fundamental Retirement Plan isn't just an initial plan that set it and forget it. It's a timeline for execution of the key components and also a process to continue to monitor and make adjustments on the fly when necessary.

As long as we have visibility into how the decisions we're making today are impacting our future security, what we find is you tend to live a more comfortable retirement.

That means comfort around the level of income that you're receiving and how much you're spending.

Not to mention what we're doing from a tax perspective, to make sure you don't carry a ton of risk and potentially pay too much tax down the road.

Listen to our podcast Episode 30 to learn more about the Fundamental Retirement Plan

We are an independent, Fee-based advisory team.

One transparent fee includes ongoing retirement and tax planning + tax-smart management of ALL investment accounts and more. Our ongoing advice fee is based on the portfolio size that you have with us:

It only makes sense to hire a financial advisor -- or any professional -- if the value they provide exceeds the fee being charged.

In other words, the time and effort saved by hiring an expert + the tax savings (and potentially increased investment returns) need to exceed the fees being charged.

After completing the full complimentary one-page plan process, here are the next steps to become a client of Fundamental Wealth.

1) Review & agree to our Client Service Standards.

2) Provide all relevant documents requested by our team.

3) Virtual or in-person meeting to complete outstanding and time sensitive tasks.

4) Finalize investment & retirement income decisions.

5) Our team will complete all paperwork and facilitate all transfers.

6) Follow up discussion and preparation for ongoing client service standards.

There are three really important things about our firm that separate us from others:

1. We are retirement and tax planning experts. Just a Cardiologist wouldn't perform foot surgery, we remain highly specialized and only work with retirement savers we have the expertise to help.

2. We limit the number of new clients we take on. This allows us to provide unparalleled value and highly personalized service to the families that have entrusted our firm to help them.

3. We work as a team to service our clients. Being a client of Fundamental Wealth means that you have access to a financial planning team that is here to support you in your retirement journey. Combining our resources and intellectual capital enables us to deliver high-quality advice and ensure nothing falls through the cracks.

The fact that it's hard to differentiate one advisor from another is EXACTLY why we offer a Complimentary One Page Financial Plan.

Many of us have similar titles, designations, and service models. It can be wildly challenging to evaluate advisors and find the best one for you!

If you think there is a potential fit between your needs and our expertise, the first step is to schedule a complimentary phone call.

For your safety and convenience, Fundamental Wealth of Harbourfront Wealth Management uses National Bank Independent Network (NBIN) as the custodian for our clients investments and retirement accounts.

NBIN administers more than $304 Billion in assets for more than 1 Million Canadian Investors.

As a trusted custodian, NBIN safely holds your investment accounts and provides reporting to you and the CRA each year. Your accounts can be viewed at any time at through My Portfolio Plus Login or by navigating through our website under valued clients.

Yes.

We are registered through CIRO to advise clients in Saskatchewan, Alberta and British Columbia. Although we are not currently registered elsewhere in Canada, we would consider extending our registration if the opportunity to help were to arise.