PLAN YOUR FINANCES,

SHAPE YOUR FUTURE

Escape Financial Stress with
Smarter Financial Decisions

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Financial Planning
Made Convenient

Fiorre Financial Services

Financial planning means having a game plan for your money. It helps you determine what you want to achieve financially and how to get there.

Make smarter choices about saving, spending, and investing while preparing for the unexpected, like emergencies, job loss, or a move.

Find answers to the questions keeping you up at night.

  • How much can I spend without running out of money?
  • Which accounts should I use to reach my goals?
  • How long will my money last?
  • Will my work pension be enough?
  • Which assets should I spend first?
  • When should I take CPP and OAS?
  • How much will be left for my children?
Build My Plan Today

Transparent Pricing

Unbiased Advice

Personalized Online Service

Planning Features
  • Retirement Projections
  • Run Multiple Scenarios
  • Plan success score
  • Progress Tracking
  • Cashflow Planning
  • Family planning
  • Debt payoff planning
  • Net worth calculator
  • Government Benefits estimator
  • Benefits clawback tracking
  • CPP and OAS estimates
  • Emergency Fund Calculator
  • Education expense planning
  • Property sale projections
  • Financial document storage
  • Customized plan sharing
  • Help guides and Suggestions
  • And more!

Services Available Online, Anytime.

Self-Directed Planning

For the independent planner

Full access to the tools and resources you need to make a plan and stick to it!
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Comprehensive Planning

Work with a dedicated planner

Create a personalized and tailored financial plan to guide your financial decisions!
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Premier
Planning

Work with a dedicated planner

Create a personalized and tailored financial plan. Includes enhanced offerings!
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Tax Return Audit

A detailed review of your income tax return to ensure you minimize your income taxes or maximize your refund!
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Portfolio Audit

A detailed review of your investments and accounts to highlight your risks, your opportunities and your fees!
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Cashflow Audit

A detailed review of your income and expenses to uncover opportunities and implement strategies for more savings without more income!
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Plan Today for Tomorrow's Uncertainties

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No Credit Card Required!

What Clients Are Saying
Richard & Sherri P.
Despite our high income, we were constantly stressed about money because we just didn’t know where it was all going. Your strategic advice led to an eye-opening re-evaluation of our expenses and showed us a clear path to retirement. Today, we’re financially stable, stress-free, and watching our wealth grow, all thanks to you.
Jackson M.
Being a recent college graduate with massive student loans, the financial future seemed overwhelming. Your guidance was refreshing, helping me establish a repayment plan that made sense and was manageable. I’m on track now to not only pay off my loans but also start building wealth for the future.
Monika W.
Following a serious car accident, I was in need of someone to assist with my finances. As a single, senior woman, I asked a longtime friend, and she recommended Clayton. He has provided the reasonable, common sense guidance that I needed to keep my finances on track and my investments growing.
FAQ
What services do you offer?

We currently offer 3 financial plan services and 3 additional services:

  • Self-Directed Planning (for those looking to do most of the work themselves, with email support)
  • Comprehensive Planning (for those serious about creating a complete strategy and plan that answers all of their financial questions and concerns, with full priority support)
  • Premier Planning (for those who want everything Comprehensive Planning offers, with the additional benefit of the Portfolio Audit and Cash Flow Audit at a significant discount)

And 3 additional services:

  • Portfolio Audit (investment fee audit, performance analysis, asset allocation review, asset location optimization, etc.)
  • Tax Return Audit (maximization of tax credits and deductions, tax minimization, refund maximization, child, pension splitting, OAS clawback, investment income assessment, etc.)
  • Cash Flow Audit (map out your income sources, deductions, and taxes, uncover exactly where your hard-earned money is spent, categorize those expenses, find opportunities to save on interest expenses and earn more interest, and give tips for cutting down on your regular bills)

Find more information about each one by clicking on the “Learn more” button on the specific service above or by visiting the Services page.

What is your approach to financial planning?

I believe it’s most beneficial to have a holistic approach when making financial decisions and planning for the future. That means we’ll look at your entire financial picture, including income, expenses, assets, liabilities, and personal goals.

We’ll then use this information to create a custom road map that aligns with your financial objectives and needs.

We do not follow a rule-of-thumb approach but rather an evidenced and tailored approach because everyone has their own unique financial circumstances.

What types of clients do you typically work with?

While not exclusive, I typically work with:

  • Mid-career individuals and families: to set the planning foundations
  • Pre-retirees: to optimize a savings and withdrawal strategy and enhance the likelihood of a secure retirement
  • Retirees: to minimize income taxes, maximize estate goals, and reduce financial and longevity risks

Many of my clients are interested in strategies to grow their wealth, while also planning for financial independence or a comfortable, worry-free retirement.

How are you paid, and how much do you typically charge?

If you become a client of Fiorre, you will receive an engagement letter, outlining the terms of our relationship and the fee for the services.

The only compensation for the scope of work (outlined in this letter) will come from you, my client. Clients pay me directly, much like you might pay your accountant or a lawyer for their professional services.

Fiorre does not earn commissions or fees from selling financial products or managing investments.

I charge a flat or monthly rate for financial planning services. The exact fee varies depending on the complexity and needs of your financial situation and the services you choose.

Specific pricing can be found on the Services page.

Are you a fiduciary, and will you be acting in my best interest?

Yes, I am a Certified Financial Planner (CFP®) and a member of The Financial Planning Association of Canada (FPAC™); therefore, I am required to act as a fiduciary.

This means I am obligated to act in your best interest. Any recommendations I make will be based on what’s best for you, not for me or my business.

More Questions?

Visit our Contact page to get in touch, whichever way is convenient for you!

Learn more about you and how working together can benefit you or your family.

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Learn more about how working together can benefit you or your family.

Inquire Now
Book Now
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