A Clear Pathway for Your Financial Journey
For Canadians starting their financial journey, the questions can be overwhelming. The Foundation Plan provides a data-driven roadmap to help you tackle today's biggest financial decisions with confidence.
The Northern Lights Pathway
Your report is structured around a clear, step-by-step framework designed to help you build a strong financial foundation.
Secure Your Foundation
This is the crucial first step. We'll illustrate how a small, starter emergency fund (often around $1,000) acts as a buffer against minor setbacks, giving you the confidence to start tackling your high-interest debt without being derailed.
The Debt Freedom Plan
Your report will compare the "Avalanche" and "Snowball" methods using your actual numbers, showing the trade-offs in interest saved and time so you can make an informed choice.
Build Your Safety Net
Once your high-interest debt is gone, the focus shifts to building your full safety net. We'll illustrate how to build a fund covering 3-6 months of living expenses in a readily accessible account, like a HISA, providing you with true financial security.
Accelerate Your Wealth Building
This is where you leverage the Canadian advantage. Based on your income and goals, we'll illustrate the optimal contribution strategy between your TFSA, RRSP, and the powerful new FHSA for homebuyers.
Plan for Family Goals
For clients with children, the report will include a projection for your Registered Education Savings Plan (RESP), clearly illustrating the massive impact of the 20% government matching grant.
Mortgage Freedom vs. Investing
One of the biggest financial choices. We'll illustrate two paths: the guaranteed return of paying down your mortgage faster vs. the potential for higher growth by investing that same amount instead.
The Legacy Phase
This final step connects back to your long-term future, showing how the strong foundation you've built sets you up for a secure retirement and a tax-efficient estate.
See the Blueprint in Action: A Case Study
This is how the plan provides clarity for a real Canadian couple.
Meet Alex and Sarah. Like many young couples, they felt weighed down by debt. With a mix of student loans, a line of credit, and a credit card balance, it felt like they were spinning their wheels.
The Problem: A Maze of Debt
They had found an extra $500 per month in their budget, but weren't sure how to use it. Their debts were:
- Visa Card: $8,000 at 19.9%
- Line of Credit: $15,000 at 7.5%
- Student Loan: $12,000 at 4.5%
The Foundation Plan is designed to answer this exact question by running the numbers on the two most powerful debt repayment strategies.
The Clarity Moment: A Side-by-Side Comparison
| Strategy | Debt-Free In | Total Interest Paid | The Benefit |
|---|---|---|---|
| Debt Avalanche | 4 Years, 7 Months | $6,850 | Saves the most money. |
| Debt Snowball | 4 Years, 9 Months | $7,450 | Provides faster psychological wins. |
For Alex and Sarah, the choice became clear. The Debt Avalanche would save them $600 and get them out of debt 2 months sooner. With this data, they could confidently build a plan and know exactly when they would be free to focus on their bigger life goals.
This data-driven analysis is the core of our Foundation Plan. We provide a personalized blueprint that turns financial chaos into a clear, actionable roadmap.
Get Your Personalized Plan
One simple plan for individuals, couples, and families.
The Foundation Plan
A complete data-driven roadmap for your financial life.
$50
One-time fee
- Personalized Debt Freedom Plan (Avalanche vs. Snowball)
- Home Down Payment Illustration (FHSA, RRSP, TFSA)
- Mortgage vs. Investing Scenarios
- Covers both individual and combined household scenarios