One plan. One accountability.
Our Financial Planning Process: The Do It For You Method
Most advisors hand you one play. Ocean 6 runs the offense.
How We Work With You
Done for you. Done as a team.
Ocean 6 is not a single advisor. It's a full team that takes the planning work off your plate and runs it alongside you. You set the direction; we run the plays, brief your other professionals, and keep the entire plan moving in one direction.
How We're Different
We act as your financial quarterback.
Most advisors offer a single service and leave you to manage everyone else. Ocean 6 leads with the plan, then coordinates your entire financial team around it. You make the calls. We run the plays.
You, managing everyone.
Each professional gives you one piece of advice. You become the translator, the coordinator, the project manager. Decisions slip through the cracks because nobody owns the whole board.
Ocean 6, quarterbacking the team.
You set the direction. Ocean 6 runs the plays, briefing your professionals, driving deadlines, and making sure every move strengthens the next. One plan, one cadence, one accountability.
The Journey to Financial Freedom
Life changes. Your plan should change with it.
Every Ocean 6 relationship moves through these five steps. The depth and tactics change with your situation. The structure does not.
1
Define What Freedom Looks Like
We start by helping you uncover your goals, dreams and priorities. What financial freedom really looks like for you. This is the foundation for everything that follows.
2
See Where You Stand Today
With our intake and prioritization tool and a Kick-Off Meeting, you get a clear view of where you are today, what feels urgent, and what matters most.
3
Understand Your Whole Financial Picture
We map everything into the Eight Wealth Pillars, creating a clear picture of your full financial world. No one-time plan. A strategy that grows with you.
4
Prioritize What Matters Most Now
Together we identify the two or three areas that will make the biggest difference today. You feel confident knowing the most important things are being taken care of first.
5
Turn Priorities Into Progress
We put your priorities into motion, taking action, removing roadblocks, and moving you forward. As life changes, we adapt and realign so the plan always fits your reality. Some clients want regular updates, others prefer us to work quietly in the background. Either way, you always know we're driving progress.
The Ocean 6 Eight Pillars
Eight parts of your financial life. One coordinated plan.
Most planners cover one or two pillars and call it a financial plan. Ocean 6 actively manages all eight, and connects them so a move in one strengthens the others.
Goals
We start by getting clear on what your dream life looks like. Goals are the foundation for every financial decision that follows.
Cash Flow
An efficient behavioural cash flow strategy that funds your goals without sacrificing your lifestyle.
Corporate Structure
Your corporation is a powerful financial tool. We optimize it to support your lifestyle today and your long-term wealth.
Tax Planning
Proactively designed to minimize what you pay now and across the next 20 years.
Risk Management
Insurance as a planning tool. Whether to eliminate risk, plan a legacy, or shelter tax, we structure it to support the plan.
Investment Management
We balance fees, risk tolerance and tax efficiency to maximize what actually lands in your pocket.
Debt Management
Lowest interest rate is not the whole story. We look at the total cost of borrowing so you win on the math.
Legacy
Maximize every dollar to build the legacy you want to leave. Your wealth stays with your family, not the CRA.
A Question We Hear Often
"Isn't this what my accountant does?"
It's the right question. And the honest answer is: no, and they'd be the first to tell you that. Your accountant is essential. They're just not built to do what Ocean 6 does, and confusing the two is one of the most expensive mistakes high-earning Canadians make.
Your Accountant
Reactive, compliance-led, year-by-year.
They optimize what already happened, not what’s about to.
Decisions in February are about last year’s books. Multi-year planning isn’t their billable model.
Your RRSPs, TFSAs, insurance, and family planning sit outside their scope.
Each professional works in isolation, by design.
The incentive is to be efficient, not strategic.
If you don’t ask about a holdco, an estate freeze, or a CDA strategy, it’s unlikely to come up.
Ocean 6
Proactive, plan-led, decade-by-decade.
We design the structure first so the tax return is an output, not a surprise.
Every decision is connected to a long-arc plan, and revisited quarterly.
Corporate, personal, insurance, real estate, estate, under one strategy.
Your accountant, lawyer, banker and insurance broker, coordinated, briefed, and moving in the same direction.
Fee-based, flat planning relationship.
Our incentive is to add measurable value year after year, not to maximize transactions.
We bring the tax move, the structural move, the insurance move, before you have to ask.
Your accountant and Ocean 6 are designed to play different positions, not the same one. Compliance and proactive planning are both essential. They are rarely the same job
The Other Common Question
"How are you different from other financial planners?"
Most "financial planners" in Canada are licensed to sell one thing, investments, insurance, or mutual funds. The plan exists to support the sale. Ocean 6 inverts that. The plan is the product. Insurance and investments are how we execute it.
Typical Financial Planner
Product-led. Single-pillar.
Investments OR insurance OR banking, rarely all three under one roof.
The “plan” is a sales tool.
Often free, often generic, often pointing toward a specific product recommendation.
Commission, trailer fees, embedded compensation, the math runs in the background.
“How did the portfolio do this quarter?”, not “is the plan still right?”
Tax, estate, corporate structure and business succession sit outside the typical engagement.
Your accountant and lawyer remain on your shoulders to coordinate.
Ocean 6
Plan-led. Eight-pillar.
Wealth advisory, insurance and CIRO-regulated investments, under one accountability.
Transparent fee. We earn the relationship year after year through measurable value.
No commission games, no hidden trailer math. You see what you pay.
“Is the plan still right for who you are now?”, every quarter.
Cash flow, tax, investments, retirement, insurance, estate, business, legacy.
Direct conversations with your accountant, lawyer and banker, driven by us, not by you.
The Value Reframe
The fee should be invisible. The savings shouldn't.
Our commitment is simple: we only move forward together if the value we create is demonstrably greater than the fee. Not "we hope so." Not "over the long term." Demonstrably. From year one.