Providential Financial Planning
CFP (14+ yrs)
Pricing
What they charge
- Individual retirement & decumulation plan $2,500 + tax
- Couple/household $3,000 + tax
- Corporate retirement $4,000 + tax (incl. 3-month post-delivery support)
Fees are listed as the firm states them. Confirm current pricing with the planner directly.
Fee model
Flat-fee
Client minimum
No minimum
Coverage
Ottawa, Ontario · 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 Providential Financial Planning
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 & decumulation for Canadians 50+
What's included
Services
Retirement income projection, tax-efficient withdrawal strategy, CPP/OAS timing, government benefit optimization, pension income splitting, survivor analysis, corporate retirement
Work with Providential Financial Planning
Advice-only and commission-free, CFP (14+ yrs)
Independently listed in our fee-only directory. Last checked June 2026.
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