Budgeting is a powerful tool. It helps you manage spending, reduce debt, and build discipline. But it’s only one piece of the puzzle.

A true financial plan goes beyond tracking income and expenses. It:

Aligns your money with your life goals — whether that’s retiring early, buying a home, funding your children’s education, or simply gaining the freedom to work less.

Shows you where you stand today and what’s needed to reach your future.

Strategically uses accounts to reduce taxes, protect your family, and ensure your legacy is passed on efficiently.

At Grant Strachan & Associates, we help you build a plan that connects the dots — not just the dollars.

Market downturns aren’t a matter of “if” — they’re a matter of “when.” A strong financial plan doesn’t ignore volatility; it embraces it. We stress-test your strategy against real-world scenarios — from market dips to unexpected life events — to ensure it holds up.

Historical averages can be misleading. Just because the last 15 years were strong doesn’t mean the next 15 will be. That’s why we use forward-looking assumptions based on today’s economic realities, not yesterday’s performance. Our goal isn’t to predict the future — it’s to prepare you for many possible futures.

Financial planning isn’t just about building wealth — it’s about living well. When you understand what you can afford to spend, even in uncertain times, you gain the confidence to enjoy your life today.

Whether it’s travel, hobbies, or time with loved ones, your plan should support the experiences that matter most. We help you find that balance — so you can live fully now while still preparing for tomorrow.

Taxes touch every part of your financial life. Smart planning can make a significant difference — not just today, but for decades to come.

We guide you through strategies like:

Contributing to RRSPs when your income is high and withdrawing strategically in retirement.

Using TFSAs for tax-free growth and flexible access.

Structuring non-registered investments to minimize taxable income.

Planning withdrawals to reduce estate taxes and avoid government benefit claw backs.

Tax planning isn’t a one-time event — it’s a lifelong strategy. And we’re here to help you navigate it every step of the way.

Life changes — and so should your financial plan. Whether it’s a new job, a growing family, or shifting priorities, your strategy needs to evolve with you.

That’s why we encourage regular reviews and updates. Small adjustments made consistently can have a big impact over time. At Strachan & Associates, we’re your partners in progress — helping ensure your plan always reflects your current reality and future aspirations.