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Services & Fees

 Financial Planning 

  Helping you map out your financial life - a detailed road map to get there, and a guide to help you stay on track.

 Investment Management

  Evidence-based investment solutions tailored to your plan in a cost-effective and tax-efficient way.  

 Tax Planning

  Multi-year strategic planning to minimize taxes over your lifetime.


 My services and expertise are ideal for people who have the following questions

  • How much do I need to have saved up to retire comfortably, and stay comfortably retired?
  • How much should I be saving on a regular basis, and where should I be saving it (RRSP, TFSA, other)?
  • How do I manage my debt effectively while saving for my retirement goals?
  • How suitable are my investments?  Can I reduce fees or find ways to improve my portfolio for the long-run?
  • How do I best utilize other sources of income like Canada Pension Plan (CPP) and Old Age Security (OAS) in retirement?
  • Can I afford my 'bucket list' items and what is the ideal way to fund these in retirement?
  • How do I prepare myself for unexpected or 'one-off' expenses in retirement?
  • Can I eliminate or reduce the risk that my plan gets thrown off track by sickness or death?
  • How to I make sure I am not overpaying in taxes, both today and in the long term while I am retired?
  • How do I manage building wealth as a business owner?
  • How do I pass wealth to my children or charity most effectively and in a way that reflects my values?

Fees

One-Time Financial Planning Fees

For clients who are looking for help with some specific retirement questions, I offer hourly financial planning services.  Engagements are based on my hourly rate of $200 per hour.  Fees are estimated and capped in advance.  

For example, if I believe the work will take 6 hours, the price of the engagement will be $1200.  I will cap the price of the engagement at that level.  All deliverables, meetings, follow-ups, edits to the work, and discussions are included in that price.


Ongoing Financial Planning and Investment Management Fees

Assets Managed by Walhout Financial
Annual Fee (% of assets managed)
$1 - $500,0001.00%
$500,001 - $1,000,0000.75%
Above $1,000,0000.50%
Fees include all financial planning services and management of investments on an ongoing basis.  Clients have unlimited access to my services in person and by telephone/email/web conference.  

Fees are calculated on a tiered basis.  For example, if a family has $600,000 invested with Walhout Financial, their annual fee is calculated as 1% times $500,000, plus 0.75% times $100,000.   The fee is $5,750 for that year.   The fee is calculated monthly and varies with the value of your account.  Cost of investment products is additional.  

I use index funds from Dimensional Fund Advisors that cost between 0.3% - 0.45% per year.


If this sounds like a fit for you, let's get get started:

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