Fair Winds Financial Coach
Bob Joyce, CPA, CA, CFP
CPA, CA, CFP
Pricing
What they charge
- Financial plans $1,800 to $3,500 + HST (by complexity)
- Consultations $90 per 30-minute block + HST
- Financial coaching typically $200 to $350 + HST per three-month period
Fees are listed as the firm states them. Confirm current pricing with the planner directly.
Fee model
Flat-fee, Hourly, Subscription
Client minimum
Not stated
Coverage
St. Margaret's Bay (outside Halifax), NS · Virtual across Canada
Verified
June 2026
Why advice-only
Fees that don't grow with your savings
Illustration on a $500,000 portfolio growing 5% a year. Run your own numbers →
What you pay Fair Winds Financial Coach
Paid directly by you, for the advice and the plan.
What you never pay
- Product commissions
- A percentage of your portfolio
- Trailing fees on funds
- Sales loads or exit charges
Specialty
Areas of focus
Retirement, tax & estate planning; cash flow
What's included
Services
Comprehensive planning, consultations (retirement/estate/insurance/cash flow/debt/portfolio), ongoing coaching
Work with Fair Winds Financial Coach
Advice-only and commission-free, CPA, CA, CFP
Independently listed in our fee-only directory. Last checked June 2026.
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