At Ron Graham & Associates, we provide:

  • Advice, not investments. We don’t sell any financial products.
  • Information in an understandable format.
  • Integrated tax and investment strategies to meet your specific needs.

Our clients’ convenience and peace of mind is of utmost importance to us. We keep our clients informed on a regular basis through periodic letters and client seminars that assist them in making sound financial decisions with our input.

We also offer quarterly reviews of clients’ investments or annual review for tax preparation. Clients can also request a follow-up meeting at their convenience.

Outstanding service based on the six-step financial planning process.

  1. Clarify your present situation.
  2. Identify your financial and personal goals and objectives.
  3. Identify financial problems or opportunities.
  4. Determine recommendations and alternative solutions.
  5. Implement the appropriate strategies to achieve your goals.
  6. Review and update your plan periodically.

The Institute of Advanced Financial Planners (IAFP), a professional association of personal financial planners, states that “Personal Financial Planning is a client-oriented process focusing on all the financial and psychological factors which have an impact on a person’s life.” The IAFP recommends the above six-step process in creating your financial plan.

How can we assist you?

Our Fee-Only Financial Planning services may take a variety of forms.

Many of our clients prefer a modular approach to their financial planning. We tailor our services to address the most pressing concerns. We answer those questions that are most important to you today. Once the initial issues have been resolved, many clients return to review other areas of their financial health.

We offer written financial plans covering tax, investment and retirement issues backed by 30 years of experience and expertise in personal financial planning. Our ability to consult with any of our associates on investment or tax-related issues adds further value and another perspective to your financial plan.

We offer financial planning, counselling and seminars to groups and are retained by many companies and levels of government to provide these services to employees.

Our comprehensive, objective approach is designed to:

  • Reduce your current and future income taxes
  • Increase your discretionary cash flow, net worth and future retirement income
  • Ensure your investments provide you the best return possible within your comfort zone
  • Protect your family from the consequences of serious illness or untimely death

We meet with you to create your own financial plan based on:

  • Where you are now (what is your current financial position)
  • Where do you want to be in the future (what are your goals and objectives)
  • How are you going to get there (what recommended strategies will you use)

We then help you implement your plan and periodically review and update it. The cost of producing a plan suited to your individual needs is charged on a fee-only basis. This can be either on a per hour basis or an agreed-upon fixed price.

Our process:

We use the following process to determine the financial plan that’s right for you.

Initial Meeting

  • Scope of Engagement
  • Estimate of Cost
  • Data Gathering
    • Goals
    • Current Financial Situation
    • Problems & Opportunities

2nd Meeting

  • Financial Projections
  • Recommendations and Alternative Solutions

3rd Meeting (if required)

  • Implementation Assistance

1 Year Meeting

  • Review

We assist clients in:

If you have any of the above questions or others, we can answer them without the pressure of product sales.


Corporate Services create benefits for the employee and employer, and is a key component of a comprehensive employee benefit plan meeting employer due diligence obligations to employees.

Seminars for Employees on Financial & Retirement Planning

  • Retirement Planning
  • Financial Planning
  • Interpreting Benefit & Pension Plans

Financial Counseling for Employees

  • Retirement/Termination
  • Survivor Counselling Upon Death
  • Executive Financial
  • General Financial