The Simple Plan
$199one time
- Your written plan on screen at once
- Print it or save it as a PDF
- Trevor’s personal note within two business days
- One follow-up question by email
- Change your answers and re-run it for 30 days
Planning · The Simple Plan · Alberta
A simple financial plan online
Type in what you earn, own, owe and spend. See a free snapshot of where you stand, then get a written plan on screen at once for a flat $199. Trevor reads every plan and sends you a personal note within two business days.
Built and read by Trevor Lawrence, CFP®, CIM®, in Calgary · 2026 federal and Alberta tax rules
A sample
The first page of a plan
A sample household, so you can see the shape of a plan before you start. Your own plan follows the same pages with your figures.
Sample
Maya, 36, and Daniel, 38 · Calgary · one child · a home with a mortgage
With a net worth of $270,300 and $982 a month to spare, your savings last to Maya's 99 if you follow this plan; the first thing to do is insure Maya's and Daniel's lives.
Net worth
$270,300
Home, savings and pensions, less the mortgage and debts
Monthly surplus
+$982
After tax, the bills, debt payments and savings
Emergency fund
$6,500
Of a $23,550 target: three months of essentials
Retirement
Lasts to Maya’s 99
If they follow the plan, spending $3,570 a month from 2052, in today’s dollars
Start here, this month
- Get a term life quote: about $1,290,000 on Maya and $1,290,000 on Daniel.
- Book an Alberta lawyer for the will, the enduring power of attorney and the personal directive.
- Pay $1,132 a month on the credit card (its $150 payment plus $982).
Then the money, in order
- Pay off the credit card: $1,132 a month for about 3 months, then $986 in January 2027.
- Build the emergency fund: $1,132 a month from February 2027 for about 15 months, then $71 in May 2028.
- Put money in the RESP for the grant: $208 a month from June 2028 to December 2037, to draw the $500 a year grant.
- Pay down the car loan early: $1,374 a month from June 2028 for about 7 months, then $1,340 in January 2029.
Then the TFSA steps, Daniel’s disability cover, the full cash flow, the debts, the retirement chart, insurance, estate papers and the assumptions behind every figure. The household and figures are illustrative.
What you get
A planner’s plan for the price of software
Eight short steps, about 15 minutes with your statements at hand. Your plan appears as soon as you pay, and you can print it or save it as a PDF.
- Where you stand. Your net worth, and what is left each month after the bills.
- Cash flow for each of you. Pay, tax, CPP, EI and take-home, on 2026 federal and Alberta rules.
- An emergency fund. The cushion your household needs and how far you are from it.
- Your debts in order. Which to pay first, with the months and the interest each one costs.
- Start here. The first three things to do this month, with the amounts.
- Retirement. Whether your savings last if you follow the plan, and if not, the spending they carry or the retirement age that works.
- Where the next dollar goes. RRSP, TFSA, FHSA, RESP or debt, in order, with the amount a month and when each starts.
- Insurance gaps. Life and disability cover against what your family would need, with a quote link.
- Estate papers. Your will, enduring power of attorney, personal directive and beneficiaries.
- Up to seven actions, ranked. Each with why it matters, the amount and how to do it.
- A personal note from Trevor. Within two business days, plus one follow-up question by email.
The price
One flat fee, two ways
The snapshot is free. You pay only when you want the plan.
Plan and review
$299one time
- Everything in the Simple Plan
- A 30-minute video review with Trevor
- Your questions answered live, on your own numbers
Your answers are sealed on your device before you pay, and read only by Trevor. Your card details go to Stripe and never touch our site.
Either fee is credited to a full plan within 90 days, if you decide you want the complete picture. Full plans are quoted on our pricing page.
Is it right for you?
Who the Simple Plan is for
Built for
- Alberta residents
- One or two adults aged 18 to 70
- Working, between jobs or retired
- With or without children, renting or owning
Book a call instead if
- You are paid through your own corporation
- You are self-employed with business income
- You live outside Alberta
- Your plan turns on a trust, a holding company, rental properties or a cross-border question
Talk to us: these need a full plan, and we quote it up front.
How it works
Four steps, one sitting
- Answer eight short steps. You and your partner, income, spending and home, savings, debts, goals and protection. Your answers stay on this device as you go.
- See your snapshot, free. Your net worth, your monthly surplus or shortfall, and how many actions your plan found.
- Choose and pay. On Stripe’s secure page; your card details never touch our site.
- Read your plan at once. Trevor’s note follows within two business days, and the review if you chose it.
Before you start
Have these handy
Rough figures are fine. Anything you leave blank takes a stated default, and the plan lists every default it used.
- Last year’s T4, or a recent pay stub: your pay before tax
- Your notice of assessment, or CRA My Account: your RRSP and TFSA room
- My Service Canada Account: your CPP estimate at 65
- Your pension statement, if you have a plan at work
- Statements for your RRSP, TFSA, FHSA, RESP and investments
- Your mortgage statement and any loan or credit card statements
- Your benefits booklet: life and disability cover through work
Questions
Common questions
How much does a financial plan cost in Alberta?
A full plan from a fee-only planner commonly costs a few thousand dollars, because it is built by hand around your whole situation. The Simple Plan is a flat $199 for one household, or $299 with a 30-minute video review, paid once. For a complex plan, see our pricing page.
Is it really a flat fee?
Yes. $199, or $299 with the review, paid once. No GST is charged at present. There is no subscription and no commission on the advice, and the snapshot before you pay is free. Either fee is credited to a full plan within 90 days.
Who reads my plan?
Trevor Lawrence, CFP®, CIM®, reads every plan that is bought and sends you a personal note within two business days. You can ask one follow-up question by email.
What happens to my answers?
They stay on your device as you type. For the free snapshot they are sent to our server to be worked out and are not kept. When you pay, a sealed copy, encrypted on your device so only Maple Groove can open it, is kept so Trevor can read your plan. Your card details go to Stripe and never touch our site.
Can I change my answers after I pay?
Yes. For 30 days you can edit your answers and re-run your plan, up to 25 times, on the device you paid on. Try retiring at 62 instead of 65, or a larger mortgage payment, and see what moves.
Does the plan tell me what to invest in?
No. It tells you which accounts and debts come first and how much, and where your insurance and estate papers fall short. It does not recommend investments or insurance products; a full plan or a conversation is the place for that.
What if my situation is more complicated?
If you are paid through your own corporation, self-employed, living outside Alberta, or your plan turns on a trust, a holding company, rental properties or a cross-border question, book a call instead. We quote a full plan up front.
Your plan
Build your plan
Eight steps. Your answers are kept on this device as you go, so you can stop and come back. Nothing is sent until you ask for your snapshot.
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