A Financial Plan Built Around Your Life.
Most Canadians wing it financially — saving a little here, spending a little there, hoping it all works out. A real financial plan changes everything.
More Than Budgeting — A Complete Roadmap.
Financial planning is the process of looking at where you are today, where you want to be, and building a clear step-by-step strategy to get there. It covers everything — your income, debts, savings, insurance, investments, tax strategy, and retirement. Done properly, a financial plan doesn't just tell you what to do — it shows you exactly why, in what order, and how each piece connects to the others. Most people are surprised to find that small changes, made in the right order, make an enormous difference over time.
A complete financial plan covers:
- Cash flow and budgeting
- Debt elimination strategy
- Emergency fund
- Insurance needs (life, CI, disability)
- RRSP, TFSA, FHSA, RESP, RDSP
- Tax minimization strategy
- Investment account selection
- Retirement income planning
- Estate planning basics
The Right Order Matters
Most people try to invest before protecting themselves, or save before eliminating high-interest debt. The order you do things in has a massive impact on your outcome.
Skipping a level creates gaps. Sarah Lovett will show you exactly where you are in the pyramid and what to focus on next.
What Most Canadians Are Missing
GOVERNMENT GRANTS
RDSP grants up to $3,500/yr. RESP grants up to $500/yr. FHSA tax-free first home savings. Most families leave thousands on the table every year.
TAX REFUND STRATEGY
The average Canadian RRSP refund is $1,500-$3,000. Reinvesting that refund compounds dramatically over time — most people spend it.
ACCOUNT SEQUENCING
Contributing to the wrong account in the wrong order costs tens of thousands over a lifetime. The right sequence depends on your income, goals, and tax situation.
DEBT CONSOLIDATION
Most Canadians pay 19.99% on credit card debt while earning 4% on savings. Restructuring debt is often the highest-return 'investment' available.
INSURANCE GAPS
Group benefits feel like full coverage but rarely are. The gap between what you think you're covered for and what you actually are is often significant.
MORTGAGE OPTIMIZATION
Accelerated bi-weekly payments, lump sum prepayments, and renewal strategy can save tens of thousands and years off your mortgage.
Everyone — But Especially If You're...
JUST STARTING OUT
Young professionals who want to build wealth the right way from the beginning — not spend years fixing mistakes.
GROWING FAMILY
New parents navigating life insurance, RESP, RDSP, childcare costs, and a mortgage all at once.
APPROACHING RETIREMENT
Canadians within 10-15 years of retirement who need to maximize their savings and minimize their tax burden.
SELF-EMPLOYED
Business owners who need to separate personal and business finances and build their own retirement plan.
GOING THROUGH CHANGE
Divorce, job loss, inheritance, or a major purchase — life transitions require a financial reset.
SIMPLY OVERWHELMED
Anyone who feels behind, confused, or like they should be doing better — but doesn't know where to start.
What a Planning Session With Sarah Lovett Looks Like
FREE DISCOVERY CALL (30 min)
We learn about your situation, goals, and biggest financial concerns. No pressure, no products.
HOMEWORK
You complete a short financial snapshot form so we can review your numbers before the meeting.
PLANNING SESSION (60 min)
We go through your complete financial picture using our interactive presentation tools.
YOUR PLAN
We identify your gaps, opportunities, and the exact steps to take in priority order.
ONGOING SUPPORT
We implement the plan together and meet regularly to keep you on track.
Seeing Your Numbers Makes All the Difference
We use interactive calculators in every planning session so you can see the impact of every decision in real time.
FIN# Calculator
Calculate your Financial Independence Number — the exact lump sum you need to retire.
Open Calculator →Retirement Income
See if your savings will actually last as long as you need them to.
Open Calculator →Frequently Asked Questions
YOUR FINANCIAL FUTURE STARTS WITH ONE CONVERSATION
The first call is free. No pressure. No products to sell in the first meeting. Just an honest conversation about where you are, where you want to be, and whether Sarah Lovett can help you get there.
