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 Working Hour    Mon-Fri: 12.00pm - 8.00pm    Saturday: 10.00am - 8.00pm    Sunday: 10.00am - 8.00pm

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Financial Planning Services

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How we work

Financial Planning

Discover Goals
01
Discover Goals

We map your priorities—home, retirement, education—and gather income, assets, debts, and insurance.

Plan & Optimize
02
Plan & Optimize

Budgets, cash-flow, RRSP/TFSA mix, RESP, investment policy, tax strategy, risk protection, and estate basics.

Implement & Review
03
Implement & Review

We execute the roadmap, monitor KPIs, rebalance, and adjust for life changes and market shifts.

Financial Planning Process
FAQ

Financial Planning — FAQs

FAQ Financial Planning

Net-worth snapshot, cash-flow and budget, retirement projections, RRSP/TFSA strategy, education savings (RESP), insurance needs, investment policy, tax opportunities, and estate basics tailored to Saskatchewan rules.

It depends on your tax bracket now vs retirement. We model contributions, refunds, and future withdrawals to choose an optimal mix for Saskatoon income and goals.

Yes—RESP grants (CESG), RDSP matching (where eligible), and FHSA for first homes. We design contribution schedules and withdrawal timing to maximize government benefits.

We review life, disability, and critical-illness coverage, employer benefits, and emergency funds. We match coverage to cash-flow and dependents, then integrate premiums into your plan.

Absolutely—salary vs dividends, CPP, RRSP room, IPP/RCAs, and corporate vs personal investing. We align cash-flow, remuneration, and retirement goals for Saskatoon owners.

We review at least annually—or after major life events—updating assumptions, rebalancing investments, and adjusting for tax or regulatory changes in Saskatchewan and Canada.

Our Trusted Clients

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At Pearl CPA, we are dedicated to providing top-notch financial services to businesses and individuals, ensuring precision, efficiency, and peace of mind in all financial matters. Understand your numbers, reduce risk, maximize deductions, and scale with confidence faster.

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Call Us
+1 306-500-5692
Work with us
hello@pearlcpa.ca
Our Location
111-2nd Ave S,
Saskatoon, S7K-7E6

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