About Planning Only
Fee-only financial planning. No commissions. Just advice.
Planning First. Always.
Planning Only has a single focus: to provide Canadians with clear, unbiased financial planning advice - without the conflict of selling products or managing investments. We believe that everyone should have a plan customized for their unique situation.
As part of the Access Private Wealth family, we combine the depth of a full-service wealth management firm with the clarity of a dedicated planning practice. Our clients work with experienced planners who have one job: to help you build a financial plan that actually works for your life.
Every plan we create is collaborative. We listen first, then plan - and we stay with you as your life evolves.
We don't earn commissions. Every recommendation we make is driven solely by what's right for you.
We plan with you, not for you. Your goals, values, and life circumstances shape every decision we make together.
As part of the Access Private Wealth Corp. family, our clients benefit from a full team of credentialed professionals working in their corner.
The People Behind Your Plan
With over 100 years of combined experience, our team brings deep expertise and a genuine commitment to your financial wellbeing.
A financial industry professional since 2002, Jonathan specializes in insurance and estate planning with a focus on independent, client-centric advice. Known as a gifted communicator who can make very complex concepts easy to understand.
Active in client service since 2013, Cherryl brings dedication, warmth, and precision to every client relationship. She coordinates client communications, processes planning requests, and ensures every client experience is smooth and responsive.
Jennifer drives the operations, infrastructure, and governance of Planning Only. She brings deep expertise in compliance and family enterprise advising, and is the author of Managing Alone — a book on estate planning and financial management for couples.
A tax-savvy financial planner with over 27 years of CFP experience, Janet is dedicated to helping families preserve wealth and confidently transition it to the next generation. Her background spans tax software development, trust company support, and taxation.
With more than 27 years of experience in financial services, Doug brings an independent, planning-led approach to wealth management grounded in fiduciary responsibility. He works with clients and professional advisors across Canada to deliver integrated financial solutions.
Collaborative Planning, Start to Finish
We don't just hand you a plan and walk away. We build it with you - and we're here when life changes.
We start by listening. Your goals, concerns, family situation, and financial picture all shape the foundation of your plan.
We create a comprehensive, personalized financial plan that addresses your priorities - clearly, honestly, and without any product agenda.
We walk through your plan with you in detail, ensuring you understand every recommendation and feel confident moving forward.
Life changes. Your plan evolves with it. We provide ongoing support, annual reviews, and updates whenever you need them.
Ready to Start Planning?
Connect with our team and take the first step toward financial clarity.
Next Steps