Freedom Tiers

Clear pricing. No surprises.

Flat annual fee. Transparent AUM. Three tiers, scaled to the complexity of your life.

Which tier fits where you are.

Pricing scales with complexity, not with how much we sell. We confirm your tier on the Discovery Session.

Protector

For clients with a strong financial foundation who want to maintain and protect what they have built.

$6,500 / year + 0.85% AUM
You are likely a Protector if:
  • You have exited or wound down your business and want to preserve what you have built
  • You want peace of mind that nothing slips through the cracks
  • You don't make frequent big financial moves but want guidance when life changes
  • You have a predictable lifestyle and steady, reliable income
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Most Common

Builder

For business owners actively growing and repositioning wealth with more moving parts and bigger ambitions.

$12,500 / year + 0.75% AUM
You are likely a Builder if:
  • You are actively growing wealth and net worth, not just maintaining today
  • You are balancing business, family and lifestyle priorities at the same time
  • You are earning more each year and need long-term strategies to match
  • You want a team designing the bigger future, not just managing the present
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Changemaker

For visionaries navigating complex transitions, multi-entity ownership, and legacy-level planning.

$25,000 / year + 0.65% AUM
You are likely a Changemaker if:
  • Your wealth is complex and high-stakes across multiple entities
  • You are navigating major transitions, sales, or legacy planning
  • You juggle corporations, trusts, real estate, and private equity
  • You want clarity and control across every part of your financial world
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We confirm your fit and final tier on the Discovery Session. No quote, no commitment, until both sides see fit.

What Your Fee Covers

The full Do It For You experience.

Every Freedom Tier includes the entire Ocean 6 service offering. The difference between tiers is the depth, complexity, and seniority of advisor required for your situation, not the scope of what is included.

Holistic Financial Planning

All 8 pillars of your financial life addressed under one cohesive strategy tailored to your goals.

Financial Team in Your Pocket

Direct access to your advisor team via a personal Slack channel for quick questions and real-time updates.

Goal Progress Tracking

Your goals are monitored and measured. Real progress, not just promises.

Dedicated Financial Hub

Your own digital hub where everything is stored, with interactive planning tools and dashboards.

Professional Integration

We work directly with your accountant, lawyer, and other professionals so you stop juggling them yourself.

Financial Coaching

Guidance on unpacking your relationship with money and navigating financial curveballs with ease.

Exclusive Client Events

Invitations to private Ocean 6 events: client appreciation evenings, educational workshops, fun experiences.

Curated Professional Network

Access to a trusted network of lawyers, accountants, and other professionals when you need them.

Plus financial literacy training for your children, so the next generation is set up to manage wealth responsibly.

How We Think About Price

Three principles, applied to every engagement.

Fee-Based, Not Commission-Based

You pay a transparent planning fee plus a published AUM rate. We do not get paid more for recommending one product over another. Our incentive is to be right, not to sell.

Value Before Fee

If the planning value we create is not demonstrably greater than the fee we charge, we will not move forward. We make this case openly on the first call.

No Hidden Surprises

You see the planning fee. You see the AUM rate. You see what is included. There are no asterisks waiting in your statement.

The Honest Math

The fee should be invisible. The value should not.

For most Ocean 6 clients, the value identified in year one alone is many multiples of the annual fee. Tax-efficient compensation moves, restructured corporate cash, properly owned insurance, coordinated estate planning. Compounding from there, year after year.

If we cannot make that case for your situation, we will not take the engagement. That is the whole point of the Discovery Session.

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Pricing Questions We Hear Often

The questions you would ask if we were sitting across the table.

Commission-based compensation pays more when you buy more product. That bakes a conflict of interest into every recommendation. Fee-based pricing means our incentive is to be right, not to sell. The plan calls for what it calls for, regardless of which line item it lives on.
Investment products carry their own internal management expense ratios (MERs), paid to the fund manager, not to Ocean 6. Insurance products carry premiums set by the insurer. All of this is disclosed line-by-line during planning. There are no hidden Ocean 6 fees layered behind anything.
We have an income and complexity minimum, not a hard investable-assets minimum. The Do It For You Method makes economic sense when there is enough complexity in your situation for our coordination to create real, measurable value. We work best with incorporated professionals with roughly $500K+ in gross income, or business owners with $200K+ in annual net income. Below those levels, a less intensive engagement is usually a better fit, and we will tell you that on the call.
We do not offer a la carte planning. The reason is structural: the value of the Do It For You Method comes from the pillars connecting and reinforcing each other. Cherry-picking one piece (just the insurance, just the investment portfolio) defeats the coordination that makes the model work. If you want a single-product transaction, we will help you find someone better suited.
That is what the annual relationship is built for. The fee is not per-meeting. Life happens, the plan adapts. You call, we work it. If your situation changes dramatically (a sale, a major liquidity event, a new business), we re-scope the relationship at renewal so the fee continues to reflect the actual complexity.
Proof in Real Outcomes

What clients actually got for the fee.

Real Ocean 6 clients. Names changed, numbers are not.

Ocean 6 advisor with a business-owner client Case Study
Retiring early to the life of his dreams.
Paul · 45 · Marketing Agency Owner

Paul wanted to retire in five years, sell his $6M marketing agency, and travel with his family. The challenge wasn't the sale. It was minimizing the tax burden on the way out so retirement actually arrived early.

The Ocean 6 plays: Family trust naming both spouses and their two children as beneficiaries, multiplying access to the Lifetime Capital Gains Exemption to shelter $4M of sale profit from tax. Holdco structured as a trust beneficiary to receive pre-sale profits cleanly.

$1M
Tax burden eliminated on business sale
2 homes
Vacation properties purchased post-retirement
Ocean 6 advisors collaborating on a client plan Case Study
From financial chaos to clarity.
George · 29 · Software Engineer & Business Owner

George was earning well and saving harder, but without a coordinated plan, his wealth was concentrated in company stock, exposed to unnecessary tax, and scattered across accounts in two countries.

The Ocean 6 plays: Restructured corporate activities to immediately recover annual tax leakage. Built a diversification strategy that moved net worth out of single-stock concentration. Consolidated investment accounts across countries into one real-time view.

$40K /yr
Annual tax savings, compounding indefinitely
1 view
Holistic, real-time picture of his finances

Outcomes are specific to each client's situation. Your plan won't look exactly like Paul's or George's, but the way we'd build it will.

Next Step

The price you pay should be the price you understand.

Book a 45-minute Discovery Session. We will confirm which tier fits your situation and walk through what working together actually looks like.

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Holistic financial planning that coordinates every advisor in your world.

Financial Planning
Firm
Contact

300 – 240 East 2nd Avenue
Vancouver, BC V5T 1B7

604-343-4808 service@ocean6.ca
Locations We Serve
Vancouver Toronto Calgary Edmonton Mississauga Winnipeg Regina
Key Strategies We Plan For

Tax-efficient compensation (salary vs. dividend optimization). Corporate-owned life insurance as a tax-advantaged accumulation strategy. Lifetime Capital Gains Exemption planning and pre-exit positioning. Holding company and holdco-opco structures. Capital Dividend Account strategy. Individual Pension Plans (IPP), Retirement Compensation Arrangements (RCA). Estate freezes and intergenerational wealth transfer.

Ocean 6 operates through two registered entities. Ocean 6 Wealth Advisory Inc. provides fee-based financial planning, life insurance products, critical illness and disability insurance products and segregated funds. Ocean 6 Investment Solutions Inc. is a registered mutual fund dealer with the Canadian Investment Regulatory Organization (CIRO) and a member of the Canadian Investor Protection Fund (CIPF), offering mutual funds and exchange-traded fund products. From the client's perspective, you experience one team, one plan, one point of accountability.
© 2026 Ocean 6 Wealth Advisory Inc. · All rights reserved.
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