Planning Program

A clear, supportive process to help you navigate financial decisions with confidence after a loss.

Stage 1
Reflect & Recognize

Understanding where you stand

Before making any financial decisions, it’s important to take stock of where you are. In this stage, we help you gather and organize financial documents, recognize immediate priorities, and start building a clear picture of your financial situation.

Key Outcomes:

  • A structured overview of your financial landscape
  • Identification of urgent financial tasks
  • Understanding your income sources, expenses, and assets
Stage 2
Review & Reassess

Clarifying your financial foundation

Now that everything is gathered, we take a deeper dive into assessing your financial position. This includes reviewing income needs, investment accounts, tax considerations, estate documents, and identifying gaps in your plan. We provide a full financial audit, so you know where adjustments are needed.

Key Outcomes:

  • A full assessment of your assets, debts, and income
  • A review of survivor benefits, pensions, and tax implications
  • A clear understanding of potential financial risks and opportunities
Stage 3
Envision & Design

Creating a financial roadmap for your next chapter

This is where we bring everything together into a structured financial plan. We present personalized strategies that align with your values, goals, and long-term needs – whether it’s income planning, investing, tax efficiency, or estate planning.

Key Outcomes:

  • A customized plan tailored to your short- and long-term goals
  • Investment strategies that balance growth, security, and income
  • Tax-efficient planning for wealth preservation and legacy planning
Stage 4
Implement & Secure

Taking action with confidence

With a plan in place, it’s time to take action. We help you execute your financial strategy, whether it’s adjusting investments, setting up income streams, updating estate documents, or ensuring everything is aligned for financial security.

Key Outcomes:

  • Execution of your financial plan with expert guidance
  • Adjustments to accounts, investments, or legal documents as needed
  • Confidence in moving forward with a structured approach
Stage 5
Adapt & Thrive

Ongoing support as life evolves

Financial planning isn’t a one-time event – it’s an ongoing journey. We continue to support you with regular check-ins, plan updates, and adjustments as your life and needs change. Whether it’s navigating new financial decisions or market shifts, we’re here to help you stay on track.

Key Outcomes:

  • Regular reviews to ensure your plan evolves with you
  • Proactive adjustments to keep you financially secure
  • Peace of mind knowing you have a trusted advisor every step of the way
You don’t have to do this alone. Let’s walk the path together.

The Clarity Plan

Our Clarity Plan is designed for individuals navigating life after a major transition. It provides a structured yet compassionate approach to organizing your finances and creating a clear roadmap forward. This plan covers your primary residence and up to one additional property (such as a cottage or vacation home).

At Empowered Path Wealth Planning, we believe financial guidance should be transparent, compassionate, and tailored to your needs.

$2,500 + HST

Our starting point is the Clarity Plan – a one-time, comprehensive package that brings structure and confidence to your financial life after change. From there, we can adapt the plan to fit more complex situations, always providing clear pricing and no surprises along the way.

Key topics covered:

  • How to get on the same page with your spouse or partner about finances
  • The essential documents everyone should have in place
  • What to ask, what to organize, and how to feel ready (not worried)
  • Simple checklists to help you feel informed and empowered

What’s Included

  • Household & Property Review – income, expenses, lifestyle needs, primary residence, and one additional property
  • Investment Review – analysis of current holdings (fees, diversification, risks and opportunities) and alignment with your goals
  • Insurance Review – evaluation of existing coverage and recommendations for change if needed
  • Pension Assessment – review of CPP, OAS, survivor pensions, and workplace pensions
  • Estate & Beneficiary Review – guidance on wills, powers of attorney, and beneficiary updates
  • Action Plan – a clear, step-by-step written plan with tools and resources to help you move forward

For More Complex Situations

Some financial plans require additional time and expertise. This may include:

  • Corporate or business ownership
  • Multiple rental properties
  • Complex estate transfers or cross-border issues
  • Coordination with accountants, lawyers, or trustees

If your situation falls into these categories, we’ll provide a tailored quote before getting started.

Let’s Connect

If you’re ready to take the next step, or even if you’re just gathering information, we invite you to reach out.