Families
How you retire, what you keep, and what gets left behind, in language you can use at the kitchen table.
Advice that answers to you.
K. Joel Leonard, CFP®Waterford
Holistic financial planning: estate, tax, investments, insurance, and business succession, all in one plan.
I built my practice so the plan comes first: how you retire, what you keep from the taxman, and what gets left behind. We start with a conversation, not a product.
Who it’s for
Families, business owners, and people close to retirement.
Business owners
Personal and company money sit side by side. We look at the whole picture, not a product for each account.
Close to retirement
When the paycheque stops, the plan does the heavy lifting. We work out income, taxes, and timing before the date arrives.
Current clients
Already a client?
Your plan, your accounts, and your logins are in one place.
If we haven’t met, we start with a conversation.
No product pitch. Write a few sentences about what is on your mind. You hear back within 24 business hours.