Calm, bilingual support for professionals, families, and business owners in the GTA. We blend precision with a steady pace—so decisions feel both clear and kind.
Licensed mortgage agents, financial coaches, and trusted tax & legal partners—aligned under a single plan. We bring cash-flow, credit, tax rhythm, and lending strategy together at a pace that respects your life. A light, optional Human Design lens can personalize communication and support without replacing financial, tax, or legal fundamentals.
Clean math and lender-credible documentation. No guesswork, no drama.
We collaborate with your accountant and lawyer so the plan holds together.
Steady progress—numbers plus nervous-system calm.
Start here if you want coordinated, premium support
End-to-end leadership for your finances: mortgage strategy, tax rhythm, business alignment, and money calm—under one coordinated umbrella.
Timeline: ~6 months of guided support
Depth without overwhelm: we install a working system across cash-flow, credit hygiene, and tax set-asides.
Timeline: ~12 weeks
Align owner pay, banking, and records lenders respect—collaborating with your accountant and lawyer.
Timeline: 4–6 weeks (typical)
Scope: Planning & documentation; tax/legal execution with your professionals.
A focused 3-hour session: cash-flow cadence, lender-credible records, and a shared language for money at work.
Timeline: 3 hours (virtual or on-site)
Scope: Up to 20 participants. In-person adds travel. HST applies.
High-impact starting points for clarity and momentum
Right-sized plan for professional families: savings cadence, FHSA coordination, and a lender-credible pre-approval path.
Timeline: 90 minutes + curated follow-up
A focused, human pace to steady cash-flow, real set-asides, and clean credit hygiene—built for busy professionals.
Timeline: ~90 days (3 sessions + email check-ins)
Scope: Advice-only (no product sales).
Confidence from pre-approval to closing—and beyond
Prepare, match, and package your file so lenders say yes with confidence—calmly.
Timeline: Usually 1–2 weeks after documents are complete
Scope: Residential; O.A.C.; no borrower fee in typical prime cases—any exception disclosed in advance.
Clean math, clear trade-offs, and a short written plan.
Timeline: 60–90 minutes
Honest numbers and safer conditions for your first small building—clarity without drama.
Timeline: ~2 hours + notes
Scope: Educational analysis; not investment advice or suitability assessment.
Executive-level clarity, lender-credible records
One clear conversation to map owner pay, payroll/dividends, and next steps with your accountant.
Timeline: 60–75 minutes
Practical, values-aligned learning—public cohorts and private team sessions
Practical, values-aligned learning to steady cash-flow, plan set-asides, and understand mortgage stress-tests.
Timeline: Single session (weeknight or Saturday morning)
Scope: Open to professionals and families; limited seats for Q&A quality.
Predictable set-asides and a cadence you can keep
Set a quarterly rhythm and right-sized set-asides—predictable, compliant, and kind to your nervous system.
Timeline: 75–90 minutes
Two key sessions + gentle check-ins so deadlines don’t sneak up.
Timeline: Annual (2 sessions + touchpoints)
Bring cash-flow, HST cycle, and owner pay into a system that scales—and that lenders recognize.
Timeline: ~90 days
Intimate, practical, and human—safe spaces to practice money conversations
Small group, warm pace. Meet weekly, share real numbers, and practice gentle money routines together.
Timeline: 4 weeks
A lighter touch to stay in motion: live Q&A, fresh resources, and a friendly place to ask for help.
Timeline: Month-to-month
Bilingual, step-by-step guidance from day one
Gentle setup for banking, credit, and rent reporting—so your profile reads clearly to lenders.
Timeline: ~30 days
Scope: Planning & education; you execute with chosen institutions.
Private sessions with written next steps—no overwhelm
A short, human conversation. Share your goal and timing; leave with 2–3 clear next steps.
Timeline: 20–30 minutes
One priority handled with care: affordability, tax rhythm, credit cleanup, or renewal strategy.
Timeline: 90 minutes
Install gentle routines and momentum—without overwhelm.
Timeline: 6–8 weeks
Steady, human, and transparent
A brief, kind conversation. If we’re a fit, you’ll get a short plan and a precise checklist—only what’s needed.
We model scenarios, prepare documents, and coordinate steps at a manageable pace. You always know what’s next and why.
We confirm outcomes against the plan, note any changes, and set your next check-in. Calm and repeatable.
Notes: Prices are in CAD and may be subject to HST. Mortgage services are typically free for qualified residential borrowers because compensation is paid by the lender on closing. Fees may apply in non-prime/private/commercial scenarios and will always be disclosed in advance. All mortgages are O.A.C. (on approved credit).
Coaching and advice-only services are independent of mortgage compensation and do not replace legal, tax, or accounting advice. We coordinate with your chosen professionals as needed. Documents are collected via secure links. Bilingual support (EN/ES).
For workshops: virtual sessions are available Canada-wide; in-person sessions may include travel time/expenses. Seat-based public cohorts have limited capacity to preserve Q&A quality.
Prefer Spanish? Ver servicios en español.