Services

Four areas of work. One way of working.

Everything below starts the same way: a look at what you already have, before anyone suggests changing anything.

See how to work with me Read the case studies

Areas of work

The four areas I work in

Area One

Entrepreneur and corporate wealth planning

If you own a business, your financial life has two halves that most planning treats as one. Money in the corporation and money in your name behave differently, are taxed differently, and pass on differently.

This is where most of my work happens: excess corporate cash with no strategy attached. Owners whose personal plan quietly assumes the business will sell for a number nobody has verified. And families where the succession conversation keeps getting postponed to a better year that never arrives.

Area Two

Retirement planning

Not a number and a graph that goes up. The actual mechanics: where the income comes from, in what order, under which rules, and what happens at the ages where the rules change on you whether you're ready or not.

Most retirement plans I review have been tested against a total, never against a withdrawal sequence. Those aren't the same thing, and the difference usually shows up about four years too late to fix cheaply.

Area Three

Growth and protection, built to work together

Most people assemble the growth side and the protection side at different times, from different people, for different reasons. Then the two sit there quietly contradicting each other for a decade.

I look at whether they actually line up: whether your coverage still matches an income that has changed, whether the protection structure is doing anything for you on the tax side, and whether there's a more efficient way to hold what you're already holding.

Area Four

Tax-aware planning

Your accountant tells you what you owe. That's a different job from deciding, in advance, how the next ten years should be structured so the number is smaller.

I work on the planning side: how income comes out, what order things get drawn from, where the inefficiencies are sitting, and which structures are worth a conversation with your accountant. I don't file returns and I don't give tax advice. I find the questions worth asking, then we ask them together.

How to work with me

Four ways in, depending on how much you want to commit

You do not have to start at the top. Most people do not.

Option 1 · Free

A conversation

Free 30 minutes

Tell me what's going on, and I'll tell you what I'd look at first. Thirty minutes is enough for me to name the gap, or to tell you there isn't one. Some people leave with a clear next step and no reason to hire me. That's a fine outcome.

Nothing to prepare. Bring the situation, not the paperwork.

Book a free 30-minute chat

Option 2 · Single consultation

A single consultation

$200 60 minutes

For one specific question you want a real answer to, without starting an engagement. Bring the actual situation — the corporate cash, the coverage you're not sure about, the retirement date you want tested. Sixty minutes, and you leave with a written summary of what we covered and what I would do next.

If you go on to a full engagement within 90 days, the $200 comes off the price.

Book a consultation — $200

Option 3 · The framework

The full process, in three tiers

$1,500 to $4,500. Each tier includes everything in the one before it.

Tier One

Personalised Financial Goal Assessment

$1,500 CAD

A structured look at where you actually are. Everything you currently have, in one place, assessed against what you have said you want.

A full inventory of your current position
A written assessment of the gaps I find
A prioritised list of what to deal with first

Best for: people who suspect something is off but cannot name it.

Tier Two

Financial Alignment Analysis

$2,500 CAD

Everything in Tier One, plus the analysis of why the gaps exist and what each one is costing you to leave alone.

The Personalised Financial Goal Assessment
A written analysis of how your pieces are working against each other
The cost of inaction on each gap
Specific recommendations for closing them

Best for: people who already know roughly what is wrong and want to understand the cost before acting.

Tier Three

Tailored Wealth Strategy

$4,500 CAD

Everything above, plus the actual strategy built and documented. The sequence, the structures, the coordination, and the implementation plan.

The full assessment and analysis
A documented strategy covering protection, tax efficiency, retirement income and estate transition
A written implementation sequence with timing
Direct coordination with your other professionals

Best for: business owners and families who want the whole thing designed once, properly.

All three tiers

Not sure which tier? That's what the conversation is for.

Every tier starts the same way — a free 30-minute conversation. We pick the tier together once I've heard the situation, and nobody gets a price before they get a person.

Book a conversation

Option 4 · Ongoing access

Don't need a plan built? Subscribe and just ask.

A monthly subscription with written answers from Najwa — from $50 a month, cancel whenever. No engagement behind it. The plans are just below.

See the subscription plans →

Option 4 · Ongoing access

Most questions don't need a $4,500 engagement.

They need twenty minutes and someone who knows the rules.

These are good questions. They're also the kind that sit unanswered for two years because nobody wants to book a consultation over them — and then quietly turn into the expensive version of themselves.

So: ask me. That is the whole product.

The questions people actually send

Should I take salary or dividends this year?
Is this coverage still doing anything?
My accountant said something about a deemed disposition, and I nodded.
Should I be worried about the RRIF thing at 71?
My brother-in-law says I should incorporate.

The subscription plans

Pick a plan, send questions, get written answers

No onboarding call required. Cancel or switch whenever — changes take effect the following month.

Confirmed plan

Ask

$50 / month

Five questions a month. Written answers, within two business days.

Five questions per month
Written answers within two business days
Out-of-scope questions answered and redirected, free

For: people with occasional questions who want a reliable place to put them.

Start now

Draft tier · pricing to confirm

Ask & Meet

$150 / month

Unlimited questions plus one meeting a month, for when the answer is easier said than written.

Unlimited questions (fair use)
Written answers within two business days
One 30-minute meeting each month

For: business owners with something moving most months.

Start now

Draft tier · pricing to confirm

Advisor on Call

$500 / month

Priority access, two meetings a month, and a standing place for anything your accountant or lawyer raises.

Unlimited questions (fair use)
Priority answers within one business day
Two 45-minute meetings each month
Direct liaison with your accountant or lawyer when needed

For: incorporated owners who want an advisor on hand all year.

Start now

Tiers marked draft are placeholders for this demo — structure and pricing still to be confirmed with Najwa.

Scope

What I can answer, and what I'll send you elsewhere for

Worth being clear up front, so you are not paying for an answer I cannot give.

Things I can help with

Retirement income planning and the rules around withdrawals
Insurance and protection strategy — what you have, whether it still fits, what it costs you
Corporate versus personal financial structure for business owners
Education funding and how to structure it
Estate and legacy planning, and what to raise with your lawyer
Tax-aware planning strategy, and which questions to take to your accountant
Making sense of something another professional told you

Things I'll point you elsewhere for

Specific securities recommendations — which stock, fund or ETF to buy or sell. I am not securities registered and I will not guess.
Filing or preparing tax returns — that is your accountant
Drafting legal documents — that is your lawyer
Anything requiring a licence I do not hold

If your question sits outside what I can answer, I'll tell you that in the same two business days, and tell you who to ask instead. That answer does not count against your monthly questions.

How it works

Five things, and none of them is an onboarding call

Unlimited means fair use — ask as much as you actually need. It is still one person answering, so if the volume ever becomes unworkable, I'll tell you directly rather than quietly getting slower.

Pick a plan and subscribe. No onboarding call required.
Send questions whenever you have them, through the client portal or by email.
Written answers within two business days. Sometimes faster, never longer without me telling you.
If a question is too complex to write, I'll say so, and we'll put it in a meeting — on the meeting plans, or I'll find you fifteen minutes.
Book your included meetings whenever suits. Calendar link on signup.

FAQ

Before you subscribe

Can I switch plans?

Any time. Changes take effect the following month.

What counts as one question?

A question and its follow-ups count as one. If you ask about your corporate cash and we go back and forth four times to get it right, that is one question. I am not counting messages.

Is this financial advice?

It is information and strategy within what my licence covers. For anything that needs implementation, or anything outside my licence, I'll tell you plainly and point you to the right professional.

Can I use this instead of a full engagement?

For some people, yes — a subscription is the right long-term relationship. For others, it is a way to test whether the full engagement is worth it. Either is fine.

Case studies

Three things I have worked on

Names and details changed. The situations are real.

Case One

Entrepreneur, 52

Retirement income

What she came with: A successful business, a retirement date in mind, and no confidence that the two were connected. Her investments were growing. Her plan for turning them into income was a sentence, not a structure.
What we did: Worked through what her retirement actually needed to produce, tested her existing position against it, and built the income sequence — including the years where the rules change and the years where they do not.
Where it landed: A documented retirement income plan that reaches her target on her timeline, built inside the level of risk she was already comfortable with rather than requiring her to accept more.
In her words: The guidance and personalised strategy helped me stay focused.

Case Two

Business owner, 36

Corporate & personal

What he came with: More cash in the corporation than he knew what to do with, and a growing suspicion he was paying more tax than necessary while it sat there.
What we did: Separated the corporate side from the personal side, looked at what each was for, and built a strategy where the two stopped competing. The business objectives and the personal financial goals became one plan instead of two that happened to share an owner.
Where it landed: A disciplined structure for the corporate cash, a clear tax-aware approach to moving money between the two sides, and a plan that serves the business and him rather than trading one off against the other.
In his words: Najwa took the time to understand my situation and developed a strategy that aligned with both my business objectives and personal financial goals. I now have greater confidence in the direction of my financial future.

Case Three

Business owner and father of three, 47

Protection & education

What he came with: A clear priority — his family being secure regardless of what happened to him — and no structure behind it. Education for three children was a plan in conversation only.
What we did: Built a structured education funding plan covering all three children, and put wealth protection strategies in place designed to hold the family position together if he was not there.
Where it landed: The education funding is structured and on paper. The protection side is built for the scenario he was actually worried about. The legacy conversation has a document behind it now instead of an intention.
In his words: My priority was ensuring my family would be financially secure no matter what the future holds. Najwa helped me put a comprehensive plan in place that not only protects what I've built but also creates opportunities for my children and future generations.

Client details anonymised. Individual circumstances and outcomes differ.

Start at the bottom

Start with the free conversation. Everything else follows from it.

Thirty minutes, by video. I'll tell you which of the four ways in actually fits — including when the answer is none of them.

Book a free conversation Or just subscribe and ask