Built to Create Certainty.
Our structured 5-step system brings together your goals, income, investments, taxes, and estate planning. The Atlas System adds structure to every financial decision, helping to create certainty throughout your retirement.
We call our process The Atlas System because retirement isn’t a one-way street. It’s about choices.
Just like opening an atlas, you can see different destinations and the routes that lead there. Some are faster, some take a few detours, but the important part is knowing you have options and the freedom to adjust along the way.
Whether you’re planning for retirement or already enjoying it, The Atlas System provides direction with a personalized plan tailored to your needs.
Too often, retirement advice comes in pieces, an investment account here, a tax strategy there, without any certainty on how it all fits together. This fragmented approach can leave you questioning whether your money will truly support the life you’ve envisioned.
That’s why we created The Atlas System. Each step is aligned to your goals, lifestyle, and family. The result is advice built on your entire financial picture, not just a fragment, giving you the clarity and confidence to fully enjoy the retirement you’ve worked for.
Below you’ll find each step of the Atlas System explained in detail. From your first meeting to ongoing support, see how we guide you through a process built entirely around your life.
This is where it all begins. To give the best advice, we first need to truly understand your goals, what matters most to you, and where you stand today. You’ll receive a one‑page visual snapshot of your net worth, giving you a clear view of your current financial picture at a glance.
With your goals defined and your starting point established, we can structure our advice around your needs so you feel confident knowing every step ahead is designed with your life in mind.
We’ll map out how your money can support your lifestyle, not just this year, but for decades to come.
You’ll see detailed cash flow projections and stress‑tested “what if” scenarios, so you feel confident even in uncertain markets. Together, we’ll decide the best time to start CPP, OAS, and RRIF withdrawals to help you get the most from your retirement benefits.
Your portfolio should serve your life, not the other way around.
We’ll design your investment portfolio to fit your income needs while aiming to provide stability and long‑term success. We carefully place the right investments in the right accounts to help reduce taxes, and use a bucketing strategy to manage volatility so your investments stay aligned with your goals.
You’ve worked hard for your money. Our job is to help you keep more of it.
Our in-house CPA reviews your returns and provides ongoing tax strategies tailored to your situation. With multi-year projections and proactive planning, the objective is to eliminate surprises and lower your taxes, keeping more of your money working for you.
Based on what’s most important to you, we’ll help create a plan that protects your legacy and ensures your wishes are carried out.
This can include strategies to minimize estate taxes, support loved ones through gifting, and avoid unnecessary delays or confusion down the road. It’s about leaving things in order and on purpose.
Disclaimer: ‘Though we do not offer Legal and Accounting services directly, we will work closely with your chosen professionals to integrate these factors into your overall wealth plan.
Each year, we take you back through the Atlas System to ensure your goals, income, investments, taxes, and estate planning continue to reflect your life as it changes. With regular reviews and proactive updates, you’ll always know where you stand and what’s ahead.
Our team includes three Portfolio Managers with more than 50 years of collective experience. Your portfolio is globally diversified, tax-efficient, and structured to capture long-term returns, not chase headlines. Many of our selected funds consistently finish in the top quartile when compared to peers with similar mandates.
Alongside strong portfolio design and experienced management, your investments are held securely through NBIN, one of Canada’s largest custodial platforms, trusted by advisors across the country.
We charge a percentage of the assets we manage, and that fee covers both investment management and financial planning — including your retirement projections, tax strategy, and ongoing advice.
Our fees are competitive and typically ranges between 0.70% and 1.65%, depending on the size and complexity of your household’s assets. For context, larger portfolios pay a lower rate. If you’re curious where you’d fall, we’re happy to provide a quote based on your situation.
The Atlas Planning process is typically completed within 4 to 6 weeks, but your actual time commitment is modest.
Most meetings are under 45 minutes, and our team handles the heavy lifting between sessions.
We’ve designed this process to be thorough, but not overwhelming, so you get clarity without it taking over your calendar.
Planning doesn’t end with a binder. Once your Atlas Plan is complete, we revisit the key areas of your life every year through a focused and updated review that reflects what’s changed in your world.
Annual Planning Touchpoints:
Ongoing Support Includes:
Yes. We believe family planning is essential, especially when you’re thinking about education, gifting, or intergenerational wealth transfer.
We group your adult children under your household so they benefit from our planning and investment support, and share a lower family fee.
Many clients come to us from advisors who focus on investments, with little attention paid to planning. What sets us apart is how deeply integrated our advice is.
We request CRA access to review your tax returns annually and, in consultation with you, adjust your strategies in real time to remain tax-efficient. Our planning tools factor in your income, estate goals, withdrawal needs, and more to create a personalized, forward-looking plan.
We believe great advice connects every part of your financial life, so your investment strategy works in lockstep with your tax planning, cash flow, retirement goals, and legacy.
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The views and opinions expressed in this video are those of the individual(s) appearing and do not necessarily reflect the views of Harbourfront Wealth Management Inc. The content provided is for informational and illustrative purposes only and should not be construed as legal, financial, or professional advice. Always consult with a qualified professional regarding any specific concerns or questions you may have. The Atlas System is designed for clients to benefit from all steps in the process; however, the steps required will depend on each client’s individual circumstances and the complexity of their finances. Trans Canada Wealth Management and Harbourfront Wealth Management Inc. do not provide tax reporting services, will not file tax returns on behalf of a client, and accept no responsibility for incorrect filings. CPA expertise is utilized solely to help inform planning and investment strategies. Harbourfront Wealth Management Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization.
