Services
Clear, Objective Financial Planning — Built Around Your Life
Clear, Objective Financial Planning — Built Around Your Life
Do you want to be financially secure and free to live the life you want?
Have you ever wondered whether there’s a strategy that truly fits your situation — not a generic solution, but one designed specifically for you?
At Sage Collaborative Financial Planning, we provide fee‑for‑service financial advice focused on what actually works in the real world.
Our Approach
Sage Collaborative Financial Planning was founded on the belief that great financial advice should be objective, personalized, and practical.
Led by Ed Rempel and supported by a carefully selected and highly trained team of financial planning specialists, we work collaboratively with you to:
- Understand what truly matters most in your life
- Identify the financial strategies that best support those priorities
- Create a clear, confident path toward long‑term security and freedom
In short, we help you move from financial uncertainty to clarity.
Your Financial Plan: A GPS for Your Life
The foundation of our work together is your Financial Plan.
A Financial Plan is like a GPS for your life. Without one, it’s easy to feel uncertain about where you’re going or whether you’re on the best route. With a plan, you can be confident that your financial decisions are aligned with the life you want to live.
Your Financial Plan brings everything together in one clear, coordinated strategy — so you know where you’re headed, what to prioritize, and what steps to take next.
Because we work on a fee‑for‑service basis, you can be confident that our advice is professional, objective, and free from product or commission bias.
The First Step
The process begins with a conversation.
We take the time to sit down with you to understand what’s really important to you — your goals, values, concerns, and vision for the future. From there, we design a Financial Plan that reflects your life, not just your numbers.
Expertise in Advanced Financial Strategies
Your plan may include advanced strategies for which our team has deep, real‑world expertise, including:
- The Smith Manoeuvre
- Lifecycle Investing
- Cash Dam strategies
- RRSP top‑ups and creative RRSP strategies
- Effective use of corporations
- Clawback strategies for seniors
- Optimizing tax deductions based on annual tax brackets
- Tax‑reduction strategies for high‑income earners, business owners, and retirees
Every strategy is selected because it fits your situation — not because it’s trendy or conventional.
Implementation & Ongoing Support
Once your written Financial Plan is complete, you choose how you’d like to proceed.
You may:
- Implement the plan on your own, or
- Choose full‑service support, where we help implement your plan, coordinate with an out‑performing portfolio manager suited to you, review your goals over time, prepare personal tax returns, and provide ongoing guidance for financial decisions throughout your life.
Full‑service planning provides long‑term confidence, clarity, and peace of mind.
A Truly Personalized Planning Experience
The Planning with Sage experience is about your life, not just your money. Even clients with little interest in finance find the process engaging and empowering.
A Unified Financial Plan from Sage Collaborative Financial Planning is not like other financial plans:
- It is comprehensive and deeply personalized
- Typically includes 7–9 pages custom‑written for you, plus 15–20 pages of supporting detail
- The process is interactive and scenario‑based
We work through real‑life trade‑offs together:
- Retire earlier or work a bit longer for more comfort?
- Work an extra year to afford more travel in retirement?
- Adjust savings now to improve flexibility later?
During our main planning meeting, we can quickly and clearly compare different scenarios so you can make confident decisions about your future.
With experience from creating over 1,000 personalized financial plans, our team brings creativity, insight, and practical solutions to every engagement.
The Value of a Financial Plan
Creating your Financial Plan will:
- Help you clearly define the life you want
- Show you exactly what to do — and what to prioritize
- Clarify how much you need to save and where to focus
- Provide a clear retirement roadmap, including when you can become financially independent
- Bring all areas of your finances together into one coordinated strategy
You’ll feel informed, in control, and confident that every part of your financial life is working together.
Complex “Unified Financial Plan”
- • Suitable for self-employed with corporations, multiple rental properties, multiple unique strategies, or maximum growth leverage strategies.
- • Comprehensive written Financial Plan with our “interactive” process.
- • $5,000 + HST if you become a Full Service client
Basic "Unified Financial Plan"
- • Suitable for most people.
- • Comprehensive written Financial Plan with our “interactive” process.
- • $3,500 + HST if you become a Full Service client
Retirement Optimal Income Plan
- • Suitable for you if you are retired or about to retire. Setup your retirement income for the maximum reliable income with lowest lifetime tax. Not saving for retirement.
- • $2,500 + HST if you become a Full Service client
Full Service Client Information
Full service options for implementing and managing your plan
Once you have your Unified Financial Plan, the key to achieving the security and freedom you want in your life is to manage it by following all the action steps, review it regularly to monitor your progress, and revise it when your life or lifestyle changes.
Financial planning
Full Service includes implementing your Plan, on-going reviews, investments with elite portfolio managers, preparing your personal tax returns (conditions apply) and you having a Financial Guru whenever you have any financial question.
Portfolio management
We have a variety of investment management options, all of which involve exceptional portfolio managers that have long-term track records of beating their index since inception after all fees. Our skill with investing is identifying elite All Star Fund Managers.
We try to pay for ourselves entirely from your investments, by working only with portfolio managers where we are confident, they should outperform their index over the long-term after all fees, including the fund manager’s fees and mine. Then you can be confident that the benefits of our financial planning advice are entirely value-added.
Referral to one of Canada’s best portfolio managers:
"All Star Fund Manager" Portfolio Manager
Suitable for most people. Looking for best long term returns.
Portfolio of world’s elite fund managers.
All have long-term track records outperforming their index after fees.
You can see actual past returns since inception here.
The "All Star Fund Manager Portfolio" is specifically designed to ourperform the major stock market indexes.
.4% of your investments (fee-based) + HST, reduced for larger accounts (proportionate to our fee).
Full Service Fee Schedule
Our Full Service fee is the same regardless of which investment option we decide on. This is fully-transparent and unbiased.
- Full Service fee: 1% of your investments (fee-based) + HST, reduced for larger accounts.
- $2,500 + HST rebate of your Financial Plan fee.
Satisfaction Guarantee
Financial planning may be new to you. It’s natural to wonder how much benefit you’ll actually receive, what you’ll do differently, or whether the process will truly be worthwhile.
Creating a quality Financial Plan takes time, care, and experience. While the cost may feel significant at first, the value of knowing exactly how to design and fund the life you want is many times greater. A Financial Plan becomes your GPS for life—providing clarity, direction, and confidence that you’re on the best path toward your goals.
Sage Collaborative Financial Planning has prepared over 1,000 personalized Financial Plans. To date, no client has questioned the value of their plan after receiving it.
During the first planning meeting, you’ll clearly see where your plan is going, how comprehensive it is, and how it brings all areas of your financial life together.
Our Guarantee
If, at the end of the first planning meeting, you do not see the value of your Financial Plan for any reason, we will refund 50% of your planning fee.
We will have already invested significant time and expertise, so the risk is shared. You’ll still gain valuable insight and clarity from the process—but this guarantee ensures you can move forward with confidence.
Free 30 Minute Consultation
Not sure if financial planning is right for you—or if now is the right time?
A free, no‑obligation 30‑minute consultation is an opportunity to get clear answers to questions such as:
- How will I really benefit from a Financial Plan?
- Is this the right time for me to create a Financial Plan?
- I know I need help, but which option makes the most sense for me?
- Are we a good fit to work together?
Are We a Good Fit?
Sage Collaborative Financial Planning is selective about the clients we take on. We want to work with people who are:
- Serious about their life goals
- Open and honest about their situation
- Interested in a collaborative, long‑term planning relationship
We’re more concerned about sincerity and commitment than portfolio size. With the right plan and guidance, our clients are often able to build significant wealth over time.
The consultation is a chance for both sides to determine whether working together makes sense.