Money Helps is a fee only financial planning and coaching company designed to educate and implement financial plans based on your needs and desires.
Pricing + Services
We provide advice-only financial planning that is completely unbiased. We offer clients a few different services, from self-directed planning using our innovative financial planning platform, to custom financial planning engagements with an advice-only financial planner.
We keep our fees simple, there are no products, no commissions, just advice.
Self-Directed Financial Plan
Build your own financial plan! Create a Self-Directed Financial Plan using our innovative financial planning platform. Create your own financial plan quickly in three simple phases. Find new tax and benefit opportunities, learn best practices, and confirm you’re on the right track to reach your financial goals.
Bonus! Includes a 1-hour session with an advice-only financial planner to review your plan and identify opportunities.
$250 x 2 payments
Initial plan
3-month access to platform
1-hour with advice-only financial planner
Email support
+$27 Per Month
First 3-months free, cancel anytime
Regular plan updates
Progress tracking
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Confirm you’re on the right track (or if you need to make changes)
-Identify new tax and gov. benefit opportunities
Help videos from advice-only financial planners
Customize your financial plan to perfectly fit you and your goals
Access your plan at any time, day or night
Visually map your income and spending
Identify new cash flow opportunities
Get insights into family expenses
Plan for education funding using RESPs and grants
See the impact of spending changes on your long-term plan
Learn new best practices
Pay off debt faster
Plan short and medium-term goals
Create an investment plan for long-term goals
Plan retirement decumulation
See the impact of RRSP to RRIF conversion timing
Automatic estimates for government benefits like CCB, GIS, and many more
Automatic estimates for retirement benefits like CPP and OAS
Automatic calculations for income tax, CPP and EI contributions
Automatic income splitting for couples
Know exactly what to do with a detailed year-by-year road map
Long-term projections for net worth, income, expenses, and taxes
Understand your financial plan’s success rate from 0% to 100%
Estimate the chance of running out of money in retirement
60-day access to the platform to build your Self-Directed Financial Plan
Access to the PlanEasy Community as you build your plan
On-going access to the platform (optional with monthly fee)
Custom Financial Plan
The Custom Financial Plan perfectly reflects your values and goals and helps you feel secure with your financial future. Work with an advice-only financial planner to create a custom financial plan year-by-year, from today all the way until late retirement. Together we plan every aspect of your finances and create a detailed plan to help you make the most of your money.
$800 Initial + 2 Payments of $750
Initial plan
3-month access to platform
Dedicated advice-only financial planner
3 one-on-one meetings
+$95 Per Month
First 3-months free, cancel anytime
Semi-annual checkpoints
Annual plan updates
Progress tracking
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Free 30-minute Discovery call with an advice-only financial planner
Second opinion on your current and retirement spending vs benchmarks
Best practices to help manage income and spending
Recommendations to help prepare for emergencies and infrequent expenses
Plan for starting a family with changes to income and expenses
Pay off debt faster with a debt payoff plan and monthly payment goals
Education plan for children’s post-secondary education
Savings plan for short and medium-term goals
Investment plan for long-term goals like retirement
Decumulation plan for retirement income
Income splitting opportunities for couples both now and in retirement
Estimates for government benefits like CCB, GIS, and more
Estimates for retirement benefits like CPP and OAS
Explore different options with up to 3 separate scenarios
Know exactly what to do with a detailed year-by-year road map
Longer-term projections for net worth, income, expenses, and taxes
Understand your financial plan’s success rate from 0% to 100%
Estimate the chance of running out of money in retirement
90-day access to platform to build your Custom Financial Plan in collaboration with your financial planner
30-minute Foundation meeting to confirm facts and assumptions
60-minute Plan Presentation meeting to review final recommendations
On-going access to the platform (optional with monthly fee)
Semi-annual checkpoints (optional with monthly fee)
Annual plan updates (optional with monthly fee)
Advanced Financial Plan
The Advanced Financial Plan is for more advanced situations, this includes self-employed business owners, rental property owners, unique types of compensation (RSUs, stock options, large commissions and income etc), special executive pension plans etc. Receive all the benefits of our custom financial plan but with the extra attention required for these advanced financial planning situations. Work with an advice-only financial planner to create an Advanced Financial Plan and explore big decisions with up to 5 separate scenarios.
$1000 x 4 Payments
Initial plan
4-month access to platform
Dedicated advice-only financial planner
4 one-on-one meetings
+$225 Per Month
First 4-months free, cancel anytime
Quarterly checkpoints
Annual plan updates
Progress tracking
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Free 60-minute Discovery call/meeting with a financial planner
Second opinion on your current and retirement spending vs benchmarks
Best practices to help manage income and spending
Recommendations to help prepare for emergencies and infrequent expenses
Self-employed business income and expenses
Evaluating your rental property for cash flow and return on investment
Plan for starting a family with changes to income and expenses
Pay off debt faster with a debt payoff plan and monthly payment goals
Education plan for children’s post-secondary education
Savings plan for short and medium-term goals
Investment plan for long-term goals like retirement
Decumulation plan for retirement income
Income splitting opportunities for couples both now and in retirement
Estimates for government benefits like CCB, GIS, and more
Estimates for retirement benefits like CPP and OAS
Explore different options with up to 5 separate scenarios
Know exactly what to do with a detailed year-by-year road map
Longer-term projections for net worth, income, expenses, and taxes
Understand your financial plan’s success rate from 0% to 100%
Estimate the chance of running out of money in retirement
120-day access to platform to build your Custom Financial Plan in collaboration with your financial planner
30-minute Foundation meeting to confirm facts and assumptions
60-minute Plan Presentation meeting to review final recommendations
On-going access to the platform (optional with monthly fee)
Semi-annual checkpoints (optional with monthly fee)
Annual plan updates (optional with monthly fee)
Financial planning services with set package rates. All one time consults include a sit down session that will be about an hour and a half and will include a simple take home education and action plan.
We also offer Zoom appointments in order to provide services through social distancing regulations. They are also available if you live to far to want to commute or if it helps you keep your busy schedule!
Do-it-yourself Investing
$250 — Learn the fundamentals of how investing works and how to incorporate best practice and open your own investment. Learn tax efficiencies and how to keep fees low. Huge long term savings potential.
Second look Portfolio
$400— In addition to the sit down session this includes an analysis of your current investments before we sit down together. Have peace of mind that your investment costs tax efficiencies and risk management are in line with your goals and investment behavior. A second opinion that is only being paid by you and not by companies that want your investment business is financially wise.
General Session
$250 —Maybe your money questions don’t fit into one of these boxes right now! Please make an inquiry and I will see if your questions match my knowledge and skill set and if they do I will have a session tailored to your specific need.