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Planworks

Services / Investing

Evidence-Based Investing. 0% AUM.

Portfolios built from low-cost index and factor funds backed by long-run research, balanced to the risk you can take and the return you need.

Read the thesis

Services / Investing

Evidence-Based Investing. 0% AUM

Portfolios built from low-cost index and factor funds backed by long-run research, balanced to the risk you can take and the return you need.

Book a call

Services / Financial Planning

Keep more of what you make

Expert tax planning that goes beyond your annual return. Our CFP® Professionals and CPAs structure your corporate and personal tax so less of your income goes to the CRA.

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Tax planning that doesn't stop at your return

Corporate and personal tax

How you pay yourself out of your corporation accounts for most of your total tax. A CPA sets the mix of salary and dividends and adjusts it each year as your income and the rules change.

Planned before the year ends

The moves that lower your tax have to happen before December 31. You meet through the year so they get made in time, instead of found too late at filing.

One firm instead of three

Most people keep a separate accountant, advisor, and lawyer, each handling one piece. Here a CFP and a CPA work in the same firm, so your tax plan lines up with your investments and your estate from the start.

A different kind of wealth firm

A dedicated CFP and CPA

A Certified Financial Planner runs your plan and a CPA handles the tax work, both in-house. Scheduled video meetings on a regular cadence, with extra time whenever something comes up.

Built around your whole family

More than just your numbers and your retirement date. Planning covers your spouse, your kids, the parents you support, and the decisions that affect all of them.

Wealth management's most advanced technology

Built on the most powerful planning software in the industry, handling the modeling, scenarios, and projections behind every plan we write.

The cost of how you're invested

Based on a $1.5M portfolio at a 7% return

$1.10M

What a 1.25% annual fee takes from a $1.5M portfolio over 20 years, set against our flat fee at the same 7% return. The Big Five wealth managers charge that percentage on everything you hold, every year, however the portfolio performs.

71%

How much more your account is worth over those 20 years than managing it yourself, based on the 3% a year Vanguard's research credits to professional planning and advice.

96%

The share of active Canadian equity funds that failed to beat their index over the past ten years. Nearly half of those funds were shut down or merged over the same period, dropping their worst results out of the count.

Tax planning that doesn't stop at your return

Corporate and personal tax

How you pay yourself out of your corporation accounts for most of your total tax. A CPA sets the mix of salary and dividends and adjusts it each year as your income and the rules change.

Planned before the year ends

The moves that lower your tax have to happen before December 31. You meet through the year so they get made in time, instead of found too late at filing.

One firm instead of three

Most people keep a separate accountant, advisor, and lawyer, each handling one piece. Here a CFP and a CPA work in the same firm, so your tax plan lines up with your investments and your estate from the start.

A different kind of wealth firm

A dedicated CFP and CPA

A Certified Financial Planner runs your plan and a CPA handles the tax work, both in-house. Scheduled video meetings on a regular cadence, with extra time whenever something comes up.

Built around your whole family

More than just your numbers and your retirement date. Planning covers your spouse, your kids, the parents you support, and the decisions that affect all of them.

Wealth management's most advanced technology

Built on the most powerful planning software in the industry, handling the modeling, scenarios, and projections behind every plan we write.

How your money is invested

60 years of market evidence


Built from index and factor funds that hold thousands of companies across the market, chosen on long-run evidence and priced well below active management.

Matched to your situation


Set to your goals and the risk you can carry, then reviewed and rebalanced as your circumstances change.

Keep your investments where they are

Managed wherever your accounts are held, including assets at a private bank or pledged against a credit line.

Why we don't try to beat the market

Markets are efficient

Prices absorb new information almost as fast as it appears. Across decades of data, most active managers underperform a plain index once their fees come out.

So we own the whole market

Your portfolio holds the entire market through low-cost index and factor funds, capturing its long-run return at a fraction of active fees.

You keep your own holdings

Stocks you want to own stay in the portfolio. We build everything else around them so your overall risk and diversification stay intact.

The cost of how you're invested

Based on a $1.5M portfolio at a 7% return

$1.10M

What a 1.25% annual fee takes from a $1.5M portfolio over 20 years, set against our flat fee at the same 7% return. The Big Five wealth managers charge that percentage on everything you hold, every year, however the portfolio performs.

71%

How much more your account is worth over those 20 years than managing it yourself, based on the 3% a year Vanguard's research credits to professional planning and advice.

96%

The share of active Canadian equity funds that failed to beat their index over the past ten years. Nearly half of those funds were shut down or merged over the same period, dropping their worst results out of the count.

Research & Transparency

Core views on managed investing

Investing

Survivorship bias in manager performance

Investing

Factor tilts and after-fee return in Canadian equity

Investing

Sequence risk in early retirement

Retirement

Effective tax rates on corporate investment income

Tax

“I asked one question and got one answer that covered my corporation, my will, and my investments. That had never happened before.”
Micheal Thorne
Orthodontist
Customer story
“I asked one question and got one answer that covered my corporation, my will, and my investments. That had never happened before.”
Micheal Thorne
Orthodontist
Customer story

The cost of how you're invested

Based on a $1.5M portfolio at a 7% return

$1.10M

What a 1.25% annual fee takes from a $1.5M portfolio over 20 years, set against our flat fee at the same 7% return. The Big Five wealth managers charge that percentage on everything you hold, every year, however the portfolio performs.

71%

How much more your account is worth over those 20 years than managing it yourself, based on the 3% a year Vanguard's research credits to professional planning and advice.

96%

The share of active Canadian equity funds that failed to beat their index over the past ten years. Nearly half of those funds were shut down or merged over the same period, dropping their worst results out of the count.

Research & Transparency

Core views on managed investing

Investing

Survivorship bias in manager performance

Investing

Factor tilts and after-fee return in Canadian equity

Investing

Sequence risk in early retirement

Retirement

Effective tax rates on corporate investment income

Tax