Skip to content

Trial and Pricing

Transparent. Flexible. Guaranteed.

Scale your planning capacity confidently with our clear pricing model and trial you can grow without fixed costs or commitment.

Our Pricing Philosophy

How We Price

We price against real-world advisor capacity—so the total you pay to us stays below what it would cost to staff the same work in-house.

Capacity Reality Pricing Principle Outcome for Your Firm
As noted in a Kitces article, advisors can effectively serve 75–100 ongoing client relationships before quality or response time declines.
We use this benchmark to define 1 Full-Time CFP® Equivalent (FTE) — roughly 10 new plans, 15 major plan updates, and 75 maintenance plans annually.
You only pay for the actual workload completed, not for unused staff time.
A full-time CFP® hire typically costs $125K+ annually, including salary, benefits, and management time.
We price our services so that even a full FTE through ElevateParaplan costs less than in-house.
You get expert plan quality at a lower and fully variable cost.
Workload fluctuates throughout the year.
Our model flexes with your demand — up or down — without hiring, firing, or training.
Consistent quality. Predictable costs. True scalability.
Efficiency should benefit both sides.
We price per plan, not by the hour. You never pay more if something takes longer — and we’re rewarded for efficiency.
A performance-aligned partnership that’s fair, transparent, and scalable for both sides.

Now that you understand how our pricing is structured around real advisor capacity and fairness, here’s how it translates into the actual cost per plan — simple, transparent, and built to scale with your firm.

Minimize Your Risk Before Committing

Discounted Pricing for Trial Period

Try ElevateParaplan for your next client plans with 30% off for the first three months. Experience how seamlessly our process fits into your workflow, enhances plan quality, and saves you hours of technical work.

100% Refund Guarantee

To give you extra peace of mind, we offer a 100% refund on your first two plans if you’re not satisfied with the quality of our work.

Ready to keep growing after your trial? See how ongoing pricing works below.

Transparent Pricing to Help You Scale

Pricing for Our Per-Plan Structure

New - Comprehensive

$1,375 to $2,500 Based on complexity
  • For clients seeking retirement, tax, risk, and estate planning
  • Includes up to three what-if scenario analysis and stress testing
  • Client-ready report with executive summaries
  • Asset accumulation or decumulation plan aligned with client goals
  • Insurance needs and risk analysis
  • Appendix showing detailed assumptions and projections
  • FAQ section with common client questions
  • 1 year of email or phone support for plan-related questions
Book Consultation

New Plans - Comprehensive

For new or existing clients needing a comprehensive financial plan that covers retirement, tax, risk, and estate planning.

Pricing varies based on complexity.

Simple Complex Incorporated
$1,375
$1,875
$2,500
For clients with simple salary income.
For clients with stock options, rental properties, or self-employment.
For incorporated business owners or real estate investors with multiple properties.

How It Works

1. Discovery & Data Collection
  • The Relationship Manager (you or an Associate Advisor) conducts a Discovery Meeting to gather qualitative insights and build rapport. We help you build the questionnaire to align with your process.
  • Client submits financial data via a form or a planning software.
  • We communicate directly with the client via phone or email to ensure all data is complete and accurate.
  • Once the data is complete, we develop an initial retirement plan incorporating Monte Carlo and Guardrail Spending approaches.
  • At the same time, we conduct an Insurance Needs & Risk Analysis (life, disability, long-term care) so premiums and protection are built into the budgeting.
  • Our insurance needs analysis uses a tiered approach to help clients find the right balance between adequate coverage and manageable premiums.
  • We create a one-pager summary and an assumptions appendix, then review it with the Relationship Manager to prepare for the client presentation.
  • The Relationship Manager presents the initial findings and discusses up to three alternative scenarios with the client.
  • We prepare revised scenarios based on client feedback. We update our plan with the key findings so that the Relationship Manager can communicate with the client to help decide on the final scenario.
  • We answer client questions (phone & email) to support the client’s decision-making.

Once the client selects the final scenario, we optimize the client’s plan based on the final scenario. This process includes developing:  

  • An accumulation plan: shows a detailed contributions strategy that uses various tools such as RRSP, TFSA, non-registered, IPP, insurance, etc.
  • A decumulation plan: covers retirement income structure (CPP, OAS, pension, insurance, investment draws), including the optimal timing for the CPP and OAS benefits.
  • Tax Strategies: We also identify any relevant tax strategies such as the Smith Manoeuvre, spousal loan, income splitting, and insurance-based strategies.
  • An estate tax plan: outlines estimated tax liabilities across different life stages and provides strategies to fund those taxes efficiently.

We do not participate in investment optimization, as this involves licensed investment activities. However, we can assist in creating a custom investment deck aligned with your firm’s investment philosophy as an ad-hoc service.

  • Once the final plan and optimization are completed, we prepare a client-ready Comprehensive Plan Package
  • The package includes an executive summary (key outcomes and next steps) and an appendix (detailed projections and assumptions).
  • We review the plan packages with the relationship manager to help them prepare for the client meetings. 
  • We continue to support the client by answering any plan-related questions for one year.

New - Retirement,
and Tax

$950 to $1,750 Based on complexity
  • For clients seeking only retirement, and tax, planning
  • Includes up to three what-if scenario analysis and stress testing
  • Client-ready report with executive summaries
  • Asset accumulation or decumulation plan aligned with client goals
  • Appendix showing detailed assumptions and projections
  • FAQ section with common client questions
  • 1 year of email or phone support for plan-related questions
Book Consultation

New - Retirement and Tax

For new or existing client who only wants to focus on retirement and tax planning without full commitment coming from a comprehensive financial plan.

Pricing varies by complexity, with discounts applied for less complex updates.

Simple Complex Incorporated
$950
$1,300
$1,750
For clients with simple salary income.
For clients with stock options, rental properties, or self-employment.
For incorporated business owners or real estate investors with multiple properties.

How It Works

1. Data Collection
    • The Relationship Manager (you or an Associate Advisor) conducts a Discovery Meeting to gather qualitative insights and build rapport. We help you build the questionnaire to align with your process.
    • Client submits financial data via a form or a planning software.
    • We communicate directly with the client via phone or email to ensure all data is complete and accurate.
  • Once the data is complete, we develop an initial retirement plan incorporating Monte Carlo and Guardrail Spending approaches. premiums.
  • We create the execution summary and an assumptions appendix, then review it with the Relationship Manager to prepare for the client presentation.
  • The Relationship Manager presents the initial findings and discusses up to three alternative scenarios with the client.
  • We prepare revised scenarios based on client feedback. We update our plan with the key findings so that the Relationship Manager can communicate with the client to help decide on the final scenario.
  • We answer client questions (phone & email) to support the client’s decision-making.

Once the client selects the final scenario, we optimize the client’s plan based on the final scenario. This process includes developing:  

  • An accumulation plan: shows a detailed contributions strategy that uses various tools such as RRSP, TFSA, non-registered, IPP, insurance, etc.
  • A decumulation plan: covers retirement income structure (CPP, OAS, pension, insurance, investment draws), including the optimal timing for the CPP and OAS benefits.
  • Tax Strategies: We also identify any relevant tax strategies such as the Smith Manoeuvre, spousal loan, income splitting, and insurance-based strategies.
  • Once the final plan and optimization are completed, we prepare a client-ready Plan Package
  • The package includes an executive summaries (key outcomes and next steps) and an appendix (detailed projections and assumptions).
  • We review the plan packages with the relationship manager to help them prepare for the client meetings. 
  • We continue to support the client by answering any plan-related questions for one year.

Maintenance Updates

$375 to $625 Based on complexity
  • For existing clients’ regular plan update meetings
  • Updates to show clients’ progress and confirm if they’re on track
  • Client-ready report with a concise one-page executive summary
  • Updated asset accumulation or decumulation plan aligned with client goals, including annual tax planning
  • Updated insurance needs and risk analysis (every 3–5 years or as needed)
  • (Upon request) Appendix with detailed assumptions and projections
  • 1 year of email or phone support for plan-related questions
Book Consultation

Maintenance Updates

For existing clients’ regular plan update meetings to show their progress and confirm they’re on track.

Pricing varies based on complexity.

Simple Complex Incorporated
$375
$450
$625
For clients with simple salary income.
For clients with stock options, rental properties, or self-employment.
For incorporated business owners or real estate investors with multiple properties.

How It Works

1. Data Updates
  • We communicate directly with your clients by email or phone to identify any life changes that may require a plan update and gather the necessary data to revise their plan.
  • We also ask what questions they’d like addressed in the upcoming review meeting to ensure it’s as valuable and relevant as possible.
  • Finally, we request the latest investment balances from you to complete the update.
  • Based on the updated data, we revise the client’s retirement plan to assess their progress toward their retirement goals and confirm whether they remain on track.
  • The asset accumulation and decumulation plans are updated, and a detailed breakdown of contributions and withdrawals for the next two years is prepared, which includes tax planning for the year.
  • Every 3 to 5 years, we also update the insurance needs analysis (life, disability, and long-term care) using the same tiered approach to determine if coverage adjustments are needed.
  • We then prepare a concise one-page summary and review it with the Relationship Manager to ensure readiness for the client presentation.
  • The detailed assumptions and projection appendix are available to clients upon request.
  • The Relationship Manager presents the updated plans, focusing on answering the key question: “Am I on track?“
  • They may also review investment performance using your firm’s existing process.
  • Following the review meeting, we continue to support the client by answering any plan-related questions for one year.

Ad-Hoc Services

Need extra planning support beyond your standard package?

We offer flexible ad-hoc and stand-alone services to help you meet specific client needs without increasing overhead.

Stand-Alone Risk Analysis Investment Deck Creation Investment Analysis Add-On Services
$250 Flat Fee
Custom Project Pricing
$100 / Hour
$150 / Hour
For completing stand-alone insurance and risk analyses for existing or new insurance-only clients.
For creating customized investment presentation decks aligned with your firm’s philosophy to help attract and engage prospective investment clients.
For preparing investment analysis using your firm’s investment framework and templates. (No product-specific recommendations provided.)
For any additional ad-hoc planning support or document preparation requests outside standard deliverables. (E.g. additional scenario analysis)

Minimum Retainer

To help you manage cash flow and keep expenses consistent, we apply a $1,500 monthly retainer after the trial period. Any unused credits do not roll forward.

Know What to Expect

Total-Cost Estimate

Every six months, we provide an updated total-cost estimate to help you plan ahead with confidence.
It ensures your firm’s financial planning costs stay predictable, your cash flow remains steady, and there are no surprises along the way.

Get Your Estimate