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The Five Phases of Ancitrine Wealth Planning

At Ancitrine Wealth Planning, we believe true prosperity begins with being anchored to a solid plan. Just as a citrine gem attracts abundance and maintains wealth, our process is designed to bring clarity and stability to your financial journey while fostering growth and success.
Getting started can feel overwhelming—cash flow, taxes, investments, pensions, debt, risk management, and family dynamics—it’s a lot! That’s why we’ve created the Five Phases of Wealth Planning, a guided program that anchors you through uncertainty and sets the course for your financial future.

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The 5 Phases of Wealth Planning

Phase One: Learn and List

60-minute meeting

Every great journey begins with a story—yours. We take the time to understand where you’ve been, where you are, and where you want to go. Together, we’ll anchor your financial goals and begin charting a course toward your ideal future.

During this meeting we will:

  • Identify your questions, challenges, priorities, and goals.
  • Review our Letter of Engagement and outline the Five Phases of Wealth Planning.
  • Agree on a path forward.

“The first step toward getting somewhere is to decide you’re not going to stay where you are.”
– J.P. Morgan

PHASE 2: Assess and Audit

60-minute meeting

With your documents and information in hand, our team gets to work as your financial anchor. We’ll assess your current financial foundation and uncover opportunities for building abundance.

During this meeting we will:

  • Review your net worth and cash flow.
  • Explore your risk tolerance and complete a questionnaire.
  • Confirm and refine your questions, priorities, and goals.

“Don’t be afraid to give up the good to go for the great.”
– John D. Rockefelle

PHASE 3: Plan and Present

90-minute meeting

This is where your vision takes form. Using the insights from our earlier phases, we craft a comprehensive financial plan designed to anchor your wealth and help you manifest prosperity.

During this meeting we will:

  • Present personalized recommendations addressing your goals, highlighting gaps and opportunities.
  • Demonstrate your financial projections live in our planning software to explain how and why we arrived at these recommendations.
  • Review investment and insurance portfolio comparisons, identifying fees, risks, gaps, and opportunities to optimize your strategy.

“Good fortune is what happens when opportunity meets with planning.”
– Thomas A. Edison

PHASE 4: Act and Implement

30-minute meeting

A plan is only as powerful as the action behind it. Together, we’ll begin implementing your personalized roadmap. From opening accounts to rebalancing portfolios or coordinating with other professionals, we ensure you’re anchored to progress and taking meaningful steps toward your goals.

“The future depends on what you do today.”
– Mahatma Gandhi

PHASE 5: Monitor and Move

Your financial journey doesn’t stop here—it evolves. By committing to ongoing management of your investment assets, we ensure your wealth is anchored to stability while continuing to move in the right direction.

Depending on your needs, we commit to:

  • Regular meetings (annual, biannual, or quarterly) to review your progress.
  • Proactive monitoring and adjustments to your plan as life unfolds.
  • Being your constant resource and partner in prosperity.

“It is not the strongest of the species that survive, nor the most intelligent, but the one most responsive to change.”
– Charles Darwin

Industry Partners

We work as a brokerage for implementing your investment and insurance needs. We commit to finding you the right solutions for your problems that will best achieve your goals. Some of our industry partners include:

Canada Protection Plan
Empire Life
Desjardins
Fidelity Investments
Humania
iA Groupe financier Financial Group
Manulife
Mackenzie Investments
RBC

PREC Management Products
and Strategies We Use:

  • Individual Pension Plans (IPP)
  • Facilitating funded buy-sell arrangements
  • Employee Benefits and Health Spending Accounts (HSA)
  • PREC charitable giving strategies
  • PREC Investment Accounts
  • Retirement planning from your PREC
  • Your Real Estate Portfolio and your PREC
  • Disability Insurance, Critical Illness insurance
  • Life Insurance (both Term and Participating/Whole Life strategies)

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.

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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.
Vicki A.
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.
Jean-Mathieu and Marita
[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.
Kevin & Joanne
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.
Aideen N.
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.
Payton J.
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.
Ryan and Lauren K.