Service · Personal Advisory
A retirement plan that isn't reviewed annually is already out of date
Tax laws change, benefit thresholds shift, and life does not follow projections. Ongoing fiduciary advisory keeps your plan calibrated to reality.
Fiduciary oversight, sustained across the years you need it most
The first two to three years of retirement are the period of highest financial risk — poor market returns, unexpected healthcare costs or a mistimed income election can have a lasting effect on a plan that otherwise looked solid. Betajbeta's ongoing advisory engagement provides scheduled annual reviews, mid-year check-ins triggered by threshold events (a federal budget, an OAS rule change, a significant portfolio movement), and direct access to your assigned advisor by email and phone. Every engagement is documented: you receive a written summary of each meeting, the decisions taken, and the items flagged for the following review period. Nothing is left verbal.
What ongoing advisory includes
Structured, documented and fiduciary — advisory that holds itself accountable on paper.
Annual Plan Review
Each year we update your income schedule, re-run longevity projections and verify that your account designations and estate instructions remain current.
Regulatory Change Alerts
When the federal government adjusts CPP rates, RRIF minimums, OAS thresholds or TFSA contribution room, we assess the impact on your plan within 30 days and notify you in writing.
Life-Event Adjustments
A death in the family, a property sale, an inheritance or a health change — each of these can materially alter your plan. We assess the impact within one week of being notified.
Written Meeting Summaries
Every advisory meeting produces a written summary — decisions taken, open items, and what we will review at the next scheduled check-in. You always have a record.
“When the 2023 federal budget changed the RRIF minimum withdrawal formula, Betajbeta sent us a written note within two weeks explaining exactly how it affected our drawdown schedule and what we needed to do differently. No other advisor I have worked with has ever been that proactive — or that clear.”
— Thomas K., Orleans
Advisory engagement — your questions answered
How is the advisory fee structured?
We charge a flat annual retainer, quoted in writing before the engagement begins. The fee is not tied to any product, account size or transaction — it is purely for planning and advisory services.
How often will we meet?
The standard engagement includes one scheduled annual review and one mid-year check-in. Additional meetings are available at no extra charge when a significant life or regulatory event warrants it.
Can I start advisory without doing a full plan first?
Yes. If you have an existing retirement plan prepared by another advisor, we will review it, identify gaps or misalignments, and take over ongoing oversight from the current state. You do not need to start from scratch.
What happens if my assigned advisor leaves the firm?
Your plan, all written summaries and every designated account record are held in the firm's files — not with an individual advisor. A transition meeting is always included at no charge.
Consistent oversight is the difference a fiduciary makes
Discuss an ongoing advisory engagement with no obligation — we will explain exactly what is included and what it costs before you decide.
Learn About Advisory