Financial Planning for Your Most Important Moments

Big life moments don't wait. Whether you're buying a home next autumn or planning a wedding in spring 2026, smart financial decisions today shape what's possible tomorrow.

Start Planning Your Event

Financial planning consultation session with documents and laptop

How Event Planning Actually Works

Most people think backwards about big expenses. They set a date, then panic about money. We flip that around—starting with your actual financial situation and building a timeline that works.

Review your current savings and monthly cash flow to see what's realistic
Map out major expenses with buffer zones for unexpected costs
Create a funding strategy that doesn't drain your emergency reserves
Adjust timelines based on what your finances can support comfortably

Common Events We Help Clients Plan For

Home Purchases

Down payments in Canada are substantial. We help you understand what you actually need beyond the minimum percentage—closing costs, land transfer taxes, and those first-month expenses that catch buyers off guard.

Planning window: 12-18 months recommended for solid preparation

Weddings & Celebrations

Wedding costs escalate fast. Instead of maxing credit cards or draining savings, we build a funding plan that lets you celebrate without starting married life in debt.

Typical timeline: 14-20 months for stress-free budgeting

Education Investments

College and university programs starting September 2026 need funding decisions now. We look at savings options, education accounts, and realistic monthly contributions that fit your budget.

Start planning: 18-24 months before enrollment

Major Renovations

Kitchen remodels or basement finishing cost more than initial quotes suggest. We factor in overruns, permit fees, and temporary housing costs if needed—then help you save accordingly.

Funding period: 10-15 months for mid-size projects

Vehicle Purchases

New or used, cars represent major expenses. We analyze whether buying or leasing fits your situation better, calculate true ownership costs, and structure payments that protect your other financial commitments.

Preparation time: 6-12 months recommended

Family Expansion

New babies change budgets immediately and permanently. We help calculate real costs—daycare, parental leave income gaps, larger living spaces—and restructure finances before arrival.

Planning horizon: 9-12 months minimum

Why Most Event Budgets Fail

"People budget for the venue, the dress, the contractor—but forget about the thirty small things that add up to thousands. Transportation, tips, emergency fixes, last-minute additions. That's where budgets explode."

Nadia's worked with clients planning everything from backyard weddings to cross-country moves. She's seen what works and what doesn't, and honestly—most people underestimate by at least 20 percent.

Her approach builds in cushion from day one. Not because she's pessimistic, but because real life doesn't follow spreadsheet projections. Vendors raise prices, unexpected guests RSVP yes, that "optional" upgrade becomes essential. Planning with buffer room means you adapt instead of panic.

She also pushes back on unrealistic timelines. If someone wants to buy a house in six months with minimal savings, she'll explain why that's risky—and suggest a better path forward. Sometimes the best financial advice is "wait another year."

Building Your Event Timeline

Calendar and financial planning documents for major life events

The Reverse Planning Method

We start with your target date and work backwards. If you want to move into a new home by June 2026, we calculate exactly what you need saved by March 2026, what monthly contributions get you there, and what adjustments might speed things up.

Then we stress-test it. What if interest rates shift? What if your car needs unexpected repairs? Good planning accounts for disruptions without derailing everything.

Monthly Check-ins

Track progress against your savings targets and adjust if income or expenses change

Milestone Reviews

Quarterly assessments ensure you're on pace and identify issues early

Contingency Planning

Backup strategies if original timelines become unrealistic

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