Financial Tools

Financial Planning Calculators

Three tools to help you see the numbers clearly. No email required. Just enter your situation and see what changes.

Is your time worth more than the fee?

Incorporated professionals and business owners spend an average of 18.5 hours per week thinking about their finances. Enter your numbers to see what that costs you — and what you could get back.

Your Inputs
$
hrs

Includes time spent worrying and thinking about finances. Average backed by Benefits & Pensions Monitor 2023 and Financial Post 2023.

Your Results
Annual Hours Lost
962 hours
Annual Cost of Your Time
Net Savings vs. Doing It Alone
Time Saved per Week
14.8 hrs / week
770 hrs saved per year
Return on Your Fee

Based on Ocean 6 returning 80% of time previously spent on financial management. Results are illustrative only. Actual time savings will vary by individual.

How do the fees actually compare?

Enter your investable assets and current fee percentages to see what you are paying — and what you would pay with Ocean 6.

$
Traditional Investment
Management Fee
%
MER + TER
%
Advice / Planning
Not included
Investment Cost$10,250
Advice FeeNot included
Your Total$10,250
Ocean 6 Full Services
Management Fee (Auto)
%
MER + TER
%
Advice Plan
Investment Cost$5,850
Advice Fee$6,500
Your Total$12,350

Investment cost = assets × (management fee + MER/TER). Traditional total excludes financial planning fees. Ocean 6 total includes investment management plus advice plan. Figures are illustrative; actual fees may vary.

See the full picture — including what you used to pay.

Compare a traditional investment-only model, your previous advisor arrangement, and what Ocean 6 costs — side by side.

$
Traditional
Management Fee
%
MER + TER
%
Advice / Planning
Not included
Investment Cost$28,700
Advice FeeNot included
Your Total$28,700
Your Previous
Management Fee
%
MER + TER
%
Advice / Planning Fee
$
Investment Cost$16,380
Advice Fee$8,500
Your Total$24,880
Ocean 6 Full Services
Management Fee (Auto)
%
MER + TER
%
Advice Plan
Investment Cost$14,980
Advice Fee$12,500
Your Total$27,480

Investment cost = assets × (management fee + MER/TER). Previous total includes your previous advisor's investment and planning fees. Ocean 6 total includes investment management plus advice plan. Figures are illustrative; actual fees may vary.

Ready to Talk Numbers?

Your plan should work as hard as you do.

A 30-minute strategy call is free, and it costs nothing to find out if we are a fit. Most clients leave with at least one actionable idea they can use right away.