Services

Money problems don't show up one at a time.

Tax, investments, insurance, equity comp: they all interact, and optimizing one in isolation usually breaks another. We work across seven areas and coordinate them into one plan. Here's each one, and how we handle it.

Cash flow planning

The plan starts with where the money goes.

High income doesn't automatically turn into wealth. We map what comes in, decide what every dollar is for, and build a funding order you can actually follow.

Tax planning

Tax is probably your biggest expense. Treat it that way.

For most of our clients, tax is the single largest line item in their financial life. We plan around it all year, not just in April.

Investment management

Evidence-based. Fee-based. No product shelf.

We build portfolios from the evidence, not from a product shelf. You pay us one transparent fee, so the advice answers to you.

Insurance planning

The part of the plan you hope you never use.

We size the risk first, then the coverage. You'll know exactly what you need, what you don't, and what we get paid.

Retirement planning

A real plan, not a collection of accounts.

An RRSP and a TFSA aren't a retirement plan. We build the roadmap: how much, into which accounts, and how it turns back into income when you stop.

Estate planning

Your life's work should go to your family, not the CRA.

Estate planning isn't just for the end of life. It's making sure that whatever you've built lands where you intend it to, with as little tax and friction as possible.

Equity compensation planning

RSUs and options are wealth. Until they're a tax problem.

You get paid in shares, on a schedule you didn't pick, taxed on days you didn't choose. We give every vest a plan before it lands.

Financial planning and insurance planning are provided through Millen Wealth Advisors. These are business activities separate from Portfolio Strategies Corporation, conducted with its approval. Mutual funds are offered through Portfolio Strategies Corporation, a member of the Canadian Investment Regulatory Organization (CIRO). No referral fees or other compensation are paid or received in either direction.