Murphy Wealth Planning

A clear, written financial plan built around your life. Planning always comes first, shaped entirely around your needs and aspirations.

QualityEfficiencyExecution

Who we help

Two people we built this practice around.

Whether you have spent a career building a business or a lifetime building a nest egg, the work you have put in deserves a real plan.

Retirees & near-retirees

Turn your net worth into cash flow.

The question underneath it all: do I have enough to fuel my retirement? We flip your net worth on its axis so it now funds your cash flow.

RRSP / RRIF conversion, done right
Pensions, investment income, and properties, working together
How much you need, and what you can safely spend
Keeping things both tax efficient and avoiding the erosion of any government or pension benefits

Free Retirement Masterclass Plan My Retirement Income

Business owners

You built it. Let's plan for it.

You spent a career building a brand, a business, and your own income from nothing. That work should not be understated, and it should be planned for accordingly.

Planning around your corporate structure and compensation
Marrying the business and your personal net worth
An audit of idle cash and passive cash flow
Business can be very uncertain. Laying out cash flow and revenue projections to help make the unpredictable more visible.

Plan My Business

The Bridge Approach

Our approach has been methodically designed to bridge the distance between where you are today and where you want to be, and make crossing feel certain.

What a complete plan covers

The six pillars of financial planning.

The pillars that hold up the bridge. Click any one for the full detail.

Investment management

An unbiased audit of what you own and whether it fits your goals, timeline, and risk. We do not manage assets or give stock or investment selection advice.

Financial planning

The master plan tying your cash flow, goals, and trade-offs together over a lifetime.

Insurance & risk protection

The right coverage so the plan holds up if life does not go as planned.

Retirement planning

Turning a lifetime of savings into dependable income that lasts.

Tax planning

Keeping more of what you have earned, now and through retirement.

Estate & legal

Making sure everything is in place so what you built passes on as you intend.

Investment management

It starts with an audit of what you already have: business, stock, and real estate investments, and how they feed your cash flow. From there, an unbiased opinion on whether your portfolio truly lines up with your goals, your timeline, and your comfort with risk, so that every decision is intentional and has a clear reason behind it. We do not manage assets or give stock or investment selection advice.

Financial planning

The master plan that ties everything together: your cash flow, goals, and the trade-offs between them, mapped over your whole lifetime.

Insurance & risk protection

Making sure the plan holds up if life does not go as planned: the right coverage in the right places, no more and no less.

Retirement planning

Turning a lifetime of savings into dependable income, and answering the real question underneath it: will it last?

Tax planning

Structuring income, investments, and withdrawals to keep more of what you have earned, both now and through retirement.

Estate & legal

We are not a legal practice by any means. That said, from a financial perspective, making sure everything is in place: Power of Attorney (POA), designated beneficiaries, a valid legal will (notarized if needed), and coordinating with legal professionals to ensure what you have built passes on the way you intend.

The planning gap

The distance between your money as it sits today and a plan that actually connects it to your life.

The uncertainty gap

The worry underneath the numbers, closed by seeing the whole picture and the scenarios around it.

How we operate

Quality, then efficiency, then execution.

The order is deliberate. Get it right first, then make it lean, then make it fast, never the other way around.

Quality

How can this be done at the highest quality? Every financial plan is custom and tailored to your specific needs, so our quality formula will look a little different for every single plan.

Efficiency

How can this be done in the most efficient way? Once we have a clear sense of what we are aiming to achieve, how do we operationalize what we are doing?

Execution

Once everything is in front of us, how do we act on it in a timely and efficient manner? A great financial plan means nothing if you can't execute or use it, so we make effective execution part of the plan from the very beginning.

Get in touch Meet the team

The podcast

Murph Talks Business

Entrepreneurs and business owners are and have been a genuine passion. Murph Talks Business was created to dig deep into your business, how it ticks, and ultimately give you the opportunity to have the spotlight and show the world what has made your business and the owner behind it amazing.

Listen on Spotify Watch on YouTube

Get in touch

Request a conversation.

We take on a limited number of planning relationships at a time so each one gets our full attention. Share a few details and a real planner will reach out to see whether we are the right fit.

Get in touch See pricing