Customized Financial and Life Planning
Why Become a Full-Service Client of Sage?
You do not have to coordinate everything yourself.
Your accountant, lawyer, lender, insurance professional and Portfolio Manager may each understand one part of your finances. Sage helps connect those parts, determine what should happen next and keep everyone moving in the same direction.
When an important financial decision arises, your first call can be to Sage.
You have an ongoing planning team that already understands your complete financial picture, can help you evaluate the trade-offs and can coordinate the right professionals to move the decision forward.
The Relationship Is Designed to Give You
01
Clarity
A clear understanding of where you stand, what matters most and which decisions should happen next.
02
Coordination
One strategy connecting your personal, corporate, investment, tax, debt and estate decisions.
03
Follow-through
Help turning recommendations into action and keeping the plan current as your life changes.
Is Full-Service Planning Right for You?
A Relationship for Financial Lives That Need Coordination
You do not need to know every answer before calling us. Full-service planning is designed for people who want help seeing the whole picture and carrying the strategy through.
01
Your finances have become interconnected
You have corporations, properties, pensions, investments, debt or family priorities that affect one another.
02
You are approaching or entering retirement
You want clarity on income sources, tax, debt, spending and the timing of major decisions.
03
You own a business or professional corporation
Your personal and corporate finances need to be planned together rather than handled in separate silos.
04
You are facing a major transition
A career change, severance, business sale, inheritance, separation, property decision or health event has changed your priorities.
05
You want implementation support
You do not want a report that leaves you responsible for coordinating every professional and completing every task alone.
06
You value an ongoing sounding board
You want a team that understands your life and can help when an important decision arises between formal reviews.
A good fit is about commitment-not simply portfolio size.
The best relationships are collaborative. You are open about your situation, serious about your goals and interested in a long-term planning relationship that evolves with your life.
What Happens After You Become a Client
A Clear Process From Understanding to Ongoing Support
The relationship is designed to make complex decisions feel organized, sequenced and manageable.
Your Unified Financial Plan becomes the foundation-a practical GPS for your financial life. Full-service support then helps keep the plan implemented, coordinated and current.
01
Understand
We organize your complete financial picture and learn what matters most to you.
02
Design
We connect the moving parts into one personalized strategy.
03
Prioritize
We identify what should happen now, later and only if circumstances change.
04
Implement
We coordinate the professionals and institutions needed to carry out the plan.
05
Evolve
We review progress and update the strategy as your life changes.
What This Changes for You
You know what should happen next
Recommendations are organized in the right order, rather than presented as a disconnected list of possibilities.
You understand the trade-offs
Interactive scenario planning helps you compare choices such as retiring earlier, spending more, reducing debt or preserving flexibility.
Your advisors have one direction
Your accountant, lawyer, Portfolio Manager, lender and insurance professionals can work from the same strategy.
The plan does not become outdated
Upcoming decisions, deadlines and life changes are addressed before they become urgent.
What Full-Service Includes
Planning Across Your Complete Financial Life
The service is comprehensive because the decisions are connected. Each area is considered in the context of the others.
Comprehensive Financial Planning
A personalized roadmap connecting your goals, cash flow, assets, liabilities, corporations, properties, pensions, investments, insurance and estate priorities.
- Interactive scenario planning
- Clear priorities and action steps
- Ongoing revisions as life changes
Personal and Corporate Tax Strategy
Tax decisions are connected to the broader plan so opportunities can be considered before transactions occur.
- Personal income tax preparation and filing*
- Salary and dividend coordination
- Corporate withdrawal strategy
- Capital gains and account-location planning
Retirement and Financial Independence
We help create dependable income while preserving flexibility for the lifestyle you want to enjoy.
- Pension, CPP and OAS timing
- RRSP, RRIF, LIRA and LIF withdrawals
- Corporate, rental and business income
- Tax-efficient sequencing and debt decisions
Debt, Mortgage and Banking Coordination
Borrowing is reviewed for purpose, structure, documentation and a manageable transition or exit strategy.
- Mortgage and credit-line restructuring
- Deductible and non-deductible debt separation
- Smith Manoeuvre and cash-damming strategies
- Investment-loan and liquidity analysis
Insurance and Risk Management
Coverage is reviewed in the context of the risks that could materially affect your family, business or retirement.
- Life, disability and critical illness needs
- Workplace-benefit gap analysis
- Business and family risk exposure
- Proportionate recommendations
Estate and Life-Transition Coordination
We help align the financial plan with your legal, family and legacy priorities and support you through major decisions.
- Wills, beneficiaries and trusts
- Succession and buy-sell planning
- Property, inheritance and family transitions
- Coordination with legal and tax professionals
*Personal tax preparation and filing are available in qualifying circumstances. Certain conditions and limitations apply.
We work alongside your corporate accountant.
Sage does not prepare corporate tax returns. We help connect the corporate return to your broader financial plan and provide your accountant with a clear strategy to implement.
Specialized Expertise on Both Sides
Sage Planning + Carefully Selected Portfolio Managers
We do not believe one advisor should try to be your planner, tax strategist, estate coordinator and day-to-day investment manager.
Sage Collaborative Financial Planning
Planning for Your Complete Financial Life
Sage remains focused on the decisions, strategies and life events that determine what your wealth is meant to accomplish.
- Comprehensive financial and retirement planning
- Personal and corporate tax strategy
- Cash-flow, debt and banking coordination
- Insurance and estate planning
- Family, business and life transitions
- Implementation across your professional team
Outsourced Investment Expertise
Best-in-Class Portfolio Management
Discretionary investment management is delegated to specialized Portfolio Managers focused on research, construction, trading and monitoring.
- Institutional asset allocation
- Investment selection and trading
- Portfolio rebalancing
- Risk management and oversight
- Administration and reporting
- Ongoing portfolio monitoring
Why This Model Benefits You
Specialization
Each team concentrates on the work it is specifically built to do.
Objectivity
Your broader financial decisions are not driven by the need to sell or manage a particular product.
Connection
Investment decisions remain linked to your cash flow, tax, retirement and life objectives.
What We Look For in a Portfolio Manager
Investment philosophy and discipline
Risk-management process
Long-term performance evidence
Transparency and reporting
Fees and implementation costs
Fit with the client's financial plan
Full-Service Planning in Real Life
What Coordination Looks Like When Decisions Become Complex
These simplified illustrations show how Sage can connect decisions that might otherwise be handled separately.
01
Approaching retirement
A couple has pensions, registered accounts, a corporation, rental income and several debts.
How Sage Helps
Sage coordinates when each income source begins, which accounts to draw from, how debt fits into retirement, the tax implications and what the accountant and Portfolio Manager need to implement.
Client Benefit
A retirement-income strategy that is easier to understand, monitor and adjust.
02
Business owner with competing uses for cash
A business owner is deciding whether to invest corporately, pay dividends, contribute to an RRSP, reduce debt or fund a major purchase.
How Sage Helps
Sage compares the options within the client's tax position, cash-flow needs, retirement plan, borrowing strategy and long-term priorities.
Client Benefit
A decision based on the complete financial picture-not a single tax or investment consideration.
03
A major life transition
A client receives a severance package and must make decisions about pension options, benefits, debt, tax, investments and retirement timing.
How Sage Helps
Sage organizes the decisions in the right order, models the alternatives and coordinates the required professionals before irreversible choices are made.
Client Benefit
A calmer process, clearer trade-offs and fewer decisions made under pressure.
Illustrations are simplified examples only. Recommendations depend on each client's circumstances, objectives and professional advice requirements.
What You Can Expect From Sage
A Service Experience Built Around Clarity and Follow-Through
The difference is not only the range of planning. It is how the relationship supports you before, during and after important decisions.
Clear, practical explanations
Technical planning is translated into understandable choices without making you feel judged or overwhelmed.
Recommendations organized by priority
You know what should happen first, what can wait and which decisions depend on future circumstances.
Proactive attention
Upcoming tax, mortgage, pension, insurance and property decisions are considered before they become urgent.
Coordination with your professionals
Your advisors receive the context and direction needed to help implement one connected strategy.
Support with implementation
Sage stays involved after the recommendations are presented and helps move agreed-upon actions forward.
Access when life changes
You have a trusted planning team to contact when an important decision arises between scheduled reviews.
What This Means for You
Tax planning
Important financial decisions can be reviewed before they create an avoidable tax consequence.
Debt and mortgage planning
Your borrowing has a defined purpose, clear records and a strategy for repayment or transition.
Retirement planning
You understand what you can comfortably spend, where the income will come from and how the plan can adapt.
Estate coordination
Your family receives greater clarity while your lawyer, accountant and planning team work from the same intentions.
Most advisors manage investments and provide planning around the portfolio.
Sage coordinates the portfolio around your complete financial life.
Questions Prospective Clients Often Ask
Full-Service Planning FAQ
Clear expectations make it easier to decide whether the relationship is the right fit.
Yes. Your Unified Financial Plan establishes the coordinated strategy that Full-Service Planning helps implement, monitor and update.
Personal income tax preparation and filing may be included in qualifying circumstances. Certain conditions and limitations apply.
No. We work alongside your corporate accountant and help connect corporate tax decisions to your broader financial plan.
Discretionary portfolio management is outsourced to carefully selected Portfolio Managers, while Sage remains responsible for the broader planning relationship and coordination.
The plan is reviewed on an ongoing basis and updated when your goals, lifestyle, family, business or financial circumstances change.
Are We a Good Fit?
Full-Service Planning works best when you are:
- Serious about the life and financial goals you want to achieve
- Open and honest about your situation and concerns
- Interested in a collaborative, long-term relationship
- Willing to make decisions and follow through on agreed-upon actions
The consultation is a two-way conversation.
It gives you the opportunity to understand how you may benefit, ask questions and decide whether Sage is the right planning partner for you.
Ready for a More Coordinated Financial Life?
Clarity for Today. Confidence for What Comes Next.
Start with a conversation about what matters most to you.