Compensation Format: Transparency Anchored in Trust

At Ancitrine Wealth Planning, we believe in transparency and ensuring our clients understand how we’re compensated for the time, expertise, and care we dedicate to crafting their financial plans.

Our comprehensive Five-Phased Planning Process is designed to create a financial roadmap tailored to your unique circumstances. From start to finish, this process requires a minimum of 25-30 hours of our team’s focused effort. We charge a flat, one-time fee for this work.

Planning Fees

The base planning fee for a standard family plan is $2,500 (+HST), but this can increase depending on the complexity of your financial situation. Factors such as holding companies, multiple businesses, rental properties with shared ownership, or cross-border considerations can expand the scope of work. To better understand your needs and receive an estimate, we invite you to book a complimentary discovery call.

Ongoing Investment Management

Once your financial plan is delivered, you may choose to onboard with us as an ongoing investment client. We are compensated through portfolio-based fees. We carefully balance investment quality with cost-effectiveness, providing exceptional service and high-quality investments.

We never lock in your investments, and you remain free to make changes or move your portfolio at any time.

Insurance Solutions

When insurance is part of your plan—whether for risk management or wealth-building purposes—we are compensated directly by the insurance carrier through commissions.

Brokerage Independence

As an independent brokerage, we are not tied to any one company. This independence allows us to source the best options for both your investment and insurance needs, always prioritizing what’s right for you.

We’re here to guide you every step of the way, with clarity, integrity, and a commitment to your financial success.

Brokers, do you think your agents would benefit from learning about our planning Program? Why not book a presentation at your offices to help support your team.

My financial advisor, JoAnn Martin is personable, customer service oriented, and timely in her responses to any inquiries I have. She is always in contact for my semi-annual review. I would recommend JoAnn to anyone looking for a professional financial advisor.

Our financial advisor Joanne has been so helpful guiding us. Their personalized approach, attentiveness, and dedication have given us confidence in our financial future, and we are grateful for their invaluable guidance in achieving our goals.

[JoAnne] really did take the time get to know us and understood what was important to us when it comes to our investments. She instilled the confidence we needed to feel that we mattered and that we could enjoy our retirement knowing that our money was well invested. 6 years later, we’re still with JoAnne and our money has continued to grow. We know that we made the right choice in having her as our investment advisor.

Since setting up my consulting business, I have been so busy that I did not take the time to adequately understand my corporation and its tax benefits, etc. Jo was referred to me by a friend last year and has since helped me make significant improvements to both my personal and corporate finances. She responds quickly whenever I have a question, checks in regularly and takes the time to understand my objectives and risk tolerance from a holistic viewpoint, including estate planning.

What I appreciated most about working with Joanne was how she made such an overwhelming topic – investing – feel approachable. She helped me narrow down options that aligned with my comfort level and risk tolerance, which made decision-making so much easier. Her professionalism combined with her down-to-earth approach gave me the confidence to move forward on things I’d been hesitant about for years. In hindsight, I wish I had spoken with Joanne sooner, but I’m thrilled to finally be on the right path with her guidance.

My husband and I loved our experience with JoAnne, she is not only personal but so good at what she does. All the people on her team are so welcoming and you can tell they all really enjoy what they do. and morale is high. I highly suggest working with JoAnne for all your $$ needs to ensure the future you are looking for and a plan on how to make it happen.