What we do
Comprehensive wealth planning, built around you.
A&O Wealth Planning offers independent, fee-transparent advice across financial planning, investment strategy, insurance and estate planning, always planning first, products second.
One advisor. One plan. Everything connected.
Most financial advice is delivered in silos, an investment advisor here, an insurance agent there, a planner somewhere else. The result is a collection of products with no coherent strategy tying them together.
At A&O Wealth Planning, every service is delivered through a single, integrated lens. Your financial plan drives every recommendation, not the other way around.
01
Financial Planning
Clarity on where you stand and where you're headed.
Retirement projections, cash flow analysis, goal mapping and scenario modelling, all built around your specific priorities and timeline. We build a living plan that evolves with your life, not a one-time document that collects dust.
- Retirement income and savings projections
- Cash flow and debt management analysis
- Goal mapping and scenario modelling
- Tax-efficient savings strategy (RRSP, TFSA, RESP, FHSA)
- Education and major purchase planning
02
Investment Strategy
Portfolio efficiency and long-term outcomes — not short-term noise.
Portfolio review, asset allocation, risk alignment and fee analysis. We focus on building portfolios that are efficient, cost-effective and aligned with your actual risk tolerance, not just a questionnaire score.
- Portfolio review and fee analysis
- Asset allocation and diversification strategy
- Risk profile alignment
- Registered and non-registered account strategy
- Ongoing monitoring and rebalancing
03
Insurance Strategy
Protection where it genuinely strengthens your plan.
Life, critical illness and disability insurance considered where protection genuinely strengthens your financial plan, never as a standalone product push. We assess your actual exposure and recommend coverage that fills real gaps.
- Life insurance needs analysis
- Critical illness and disability coverage review
- Business owner protection strategies
- Insurance as a planning tool, not a product sale
- Annual coverage review as your plan evolves
04
Income & Estate Planning
A complete plan — from today through your legacy.
Retirement income strategy, legacy considerations and coordination with your legal, accounting and tax professionals to ensure your plan is complete. We don't work in isolation, we work alongside your existing advisors.
- Retirement income sequencing and drawdown strategy
- CPP and OAS optimization
- Estate and legacy planning considerations
- Coordination with legal and accounting professionals
- Business succession and transition planning
How we work
A structured process designed to build confidence at every stage.
Discover
We listen first. Understanding your goals, values and concerns is the foundation of everything we build together.
Plan
A comprehensive financial plan built around your specific situation, not a generic template pulled off a shelf.
Design
Investment and protection strategies designed to support your plan and align with your risk profile and timeline.
Implement
Coordinated execution across investments, insurance and professional referrals as needed.
Review
Ongoing relationship. Your plan evolves as your life does, we stay with you through every stage.
Ready to build a plan that actually fits your life?
Schedule a complimentary introductory meeting. No obligation, just a conversation about where you are and where you want to go.