Build, Protect, and Transfer Wealth — With a Plan That Works
Comprehensive wealth planning that integrates tax strategy, investment management, insurance, and estate planning into one cohesive financial roadmap.
Wealth Management Is More Than Investments — It's a Complete Financial System
True wealth management is the disciplined integration of tax strategy, investment structure, risk management, and estate planning into a single, coherent plan aligned with your goals. Most Canadians accumulate wealth in fragments — an RRSP here, a non-registered account there, an insurance policy their advisor sold them — but no one has ever drawn it all together into a unified strategy. The result is missed optimization, unnecessary tax drag, and wealth that erodes silently every year.
At Key Metrics Accounting, we eliminate that fragmentation. As CPAs, we approach wealth planning with a tax-first lens that investment advisors and financial planners simply cannot replicate. We identify the strategies — registered account sequencing, family income splitting, corporate investment structuring, and estate coordination — that create compounding advantages over time. Our clients don't just grow wealth; they keep it, protect it, and transfer it efficiently to the next generation.
- Comprehensive financial plan
- RRSP/TFSA/RESP optimization
- Investment portfolio review
- Risk management and insurance analysis
- Family trust and income-splitting
- Annual plan reviews
Tax, investments, insurance, and estate planning aligned in one strategy — not managed by four different advisors who never talk to each other.
Every recommendation traces back to your specific financial goals — retirement, education, business exit, or legacy — not to product sales targets.
Your financial plan evolves as your life and financial situation changes — new tax laws, new income levels, new life events are all reflected in updated strategies.
Comprehensive Wealth Management Services
Every element of your financial life, integrated and optimized under one advisory relationship.
Comprehensive Financial Plan
A complete written financial plan covering every aspect of your financial life — current income, assets, liabilities, projected future needs, goals, and all material risks — with a prioritized action list.
Registered Account Optimization
Strategic RRSP contribution timing and deduction planning, TFSA maximization strategies, RESP planning and grant optimization for children's post-secondary education funding.
Investment Portfolio Review
Independent, fee-neutral review of existing investment portfolios for geographic and asset-class diversification, fee drag analysis, and tax efficiency across registered and non-registered accounts.
Insurance & Risk Analysis
Comprehensive needs analysis for life insurance, disability insurance, and critical illness coverage to protect your earned income and accumulated wealth against life's major financial disruptions.
Family Income Splitting
Discretionary family trust structures, spousal RRSP contributions, and prescribed rate loans to legally shift investment income to lower-bracket family members and reduce the family's total tax burden.
Estate Planning Coordination
Coordination with your legal counsel on will structure, powers of attorney, beneficiary designation reviews, and corporate estate structure to ensure your wealth transfers efficiently and as intended.
Your Wealth Planning Journey
A structured engagement designed to move you from financial fragmentation to a complete, optimized plan.
Discovery Meeting
A deep, comprehensive intake of your current financial picture — all assets, liabilities, income sources, existing accounts, insurance policies, goals, timeline, and risk tolerance. No financial rock is left unturned.
Plan Development
A comprehensive written financial plan with financial projections across multiple scenarios, prioritized action items, tax savings quantification, and a clear implementation roadmap presented in a formal plan document.
Implementation
Coordinated execution of all plan elements — registered account restructuring, insurance changes, trust creation, investment reallocation, and structural adjustments — managed as a single integrated process.
Annual Review
A scheduled yearly plan update to reflect life changes (marriage, children, business sale), new tax laws, updated projections, and progress toward your defined financial goals — keeping your strategy current and effective.
What Sets Our Wealth Advisory Apart
Client Wealth Managed
Combined assets under active strategic advisory management — reflecting the trust our clients place in our integrated, tax-first approach to wealth planning.
Avg. Tax Reduction
Average tax reduction achieved through integrated wealth and tax planning strategies — compounding savings that grow in impact every year the plan is maintained.
Holistic Approach
Every strategy we recommend considers tax, investment, insurance, and estate implications simultaneously — because optimizing one area at the expense of another isn't real planning.
Wealth Management FAQs
Straight answers to the questions Canadians ask most often about wealth planning.
We provide strategic oversight and recommendations on investment structure, account types, and asset location for tax efficiency. We coordinate closely with your existing investment advisor or can refer you to trusted partners. Our role is tax and planning focused — we are not product sellers and do not earn commissions on investment recommendations, which keeps our advice entirely objective.
Now — regardless of your age or current wealth level. The compounding effect of good financial planning begins the moment you implement it, and every year without a plan is a year of missed optimization. We work with clients at every life stage, from young professionals establishing their first financial foundation to pre-retirees refining a decades-long plan for their final working years.
The optimal choice depends on your current marginal tax rate versus your projected rate at withdrawal. RRSP contributions provide an immediate deduction and are generally more valuable for higher-income earners. TFSA contributions are post-tax but provide completely tax-free growth and flexible, penalty-free withdrawals. We model both scenarios using your specific income and retirement projections to give you a quantified recommendation — not a generic rule of thumb.
Yes — we have deep expertise in the Canadian tax treatment of US-sourced assets, FBAR and FATCA reporting obligations for Canadian residents with US financial accounts, and cross-border investment structures for Canadians with US connections (US citizens in Canada, dual residents, or those with US investment accounts). Cross-border wealth planning is a specialty area with significant compliance complexity that requires experienced guidance.
On a transparent fee-for-service basis — either a monthly retainer or an annual flat fee. We are not commission-based advisors, which means our recommendations are never influenced by product sales incentives. Fees start at $399/month for comprehensive ongoing wealth planning. We also offer standalone financial plan engagements for clients who prefer a one-time deliverable before transitioning to ongoing advisory.
Your Wealth Deserves a Strategy as Sophisticated as Your Goals
Book a complimentary wealth assessment and see how an integrated plan could transform your financial future — and how much tax you may be leaving on the table right now.