Atlas FPG

Is this just a way to sell me insurance?

No. The review comes first. Insurance may or may not be part of the recommendation — and if it is, it will be explained as a specific tool for a specific gap. Many clients engage Atlas specifically for the registered account and financial structure conversation — no insurance involved.

I have a group plan and open TFSA. Do I need this?

Group plans typically have limits, exclusions, and portability gaps most people don't know about. And a TFSA open with a bank earning 0.01% to 1.3% is not a financial strategy — it's a container with money in the wrong place. Both are worth reviewing.

What's the difference between this and a financial planner?

A financial planner typically focuses on investment portfolios and wealth accumulation. This process focuses on what protects and structures the income that makes accumulation possible — and on ensuring registered accounts are used correctly relative to tax situation and goals.

My child is young. Is it too early to look at RESP?

The opposite. The government adds up to $500 per year to an RESP through the Canada Education Savings Grant — from birth to age 17. Every year you delay is a grant you cannot recover. Opening an RESP as early as possible is one of the highest-return actions a parent can take, without any investment risk on the grant itself.

Does the first consultation cost anything?

The initial conversation and the Atlas review are complimentary. Atlas does not charge a review or coordination fee.Where specialized tax, legal, accounting, estate, mortgage, investment, or financial planning work is required, the client may choose to engage the appropriate independent professional.