Expert paraplanning for independent advisors
Paraplanning with Kinridge
Kinridge provides expert financial planning support for independent advisors and wealth managers, without the cost and complexity of hiring in-house. Our service is flexible, confidential, and tailored to your practice so you can deliver client-ready plans while staying focused on investment advice and growth.
Key Benefits
Flexible
Confidential
Your client information is handled with the highest level of care. All data is transferred through secure, encrypted channels and stored according to your firm’s retention policies. Mutual NDAs are available on request for added peace of mind.
Tailored
Advisor Experience
What you can expect when working with Kinridge
Single Accountable Planner
Every plan is managed by one planner from start to finish. For large projects, work is divided by plan—not shared—so each plan has a single accountable planner.
Predictable Timelines
Standard delivery in 7–10 business days (per plan), with rush options available when needed.
Brand-Aligned Deliverables
Incorporate your logo and select visuals within the Conquest environment for a cohesive client experience.
Streamlined Communication
Minimal back-and-forth. We reach out only when clarification is required.
Collaborative Review
Cost Comparison
In-house financial planner
Base salary: $80,000
CPP: $3,867.50
EI: $1,468.77
Health & Dental: $1,800–$3,600
Group Life & Disability Insurance:$600–$1,200
Employer RRSP Match: $2,400
Total: $92,536.27/year
(not including training, equipment, and software)
Paraplanner
Base rate: $125/hour
Average plan time: 12 hours
Cost per plan: $1,500
Cost for 75 plans: $112,500
Cost for 25 plans: $37,500
(Not including any bulk discount.)
Scope of the Service
Goal Setting and Prioritization
Translate client objectives into measurable targets and timelines.
Net Worth and Cash Flow Analysis
Assess current financial position and model future cash flow scenarios.
Retirement Planning
Project retirement readiness, income sustainability, and lifestyle options.
Education Funding Analysis
Evaluate education savings strategies and funding requirements.
Investment Review and Asset Allocation
Analyze portfolio structure and alignment with client objectives.
Insurance Needs Assessment
Identify coverage gaps for life, disability, and critical illness protection.
Estate Planning Overview
Summarize beneficiary designations and estate distribution considerations.
Debt Management Strategies
Explore repayment options and interest cost reduction strategies.
Scenario Modeling and What-If Analysis
Compare alternative strategies to support informed decision-making.
Action Plan with Prioritized Recommendations
Provide a clear roadmap for implementation and next steps.
Out of Scope
Acting as advisor of record or giving direct client advice independently.
Presenting the financial plan to your client.
Tax filing or legal drafting.
Product sales or commissions.
Process
Step 1
Request a Quote
Submit financial plan case details.
Step 2
Confirm scope
Get your custom quote and timeline.
Step 3
Plan Development
Financial plan request is completed within timeline
Step 4
Delivery
Receive client-ready financial plan and advisor notes.
Pricing
Base hourly rate: $125/hour
Minimum of 10-hours per plan (single household, basic goals).
Per plan rate will vary depending on complexity and volume.
Complexity
Plan requests are assessed for complexity during step 2 of the process.
Complex plan requests (i.e. client owns multiple businesses) have higher minimum hour requirement.
| Complexity Factor | Extra Hours |
|---|---|
| Additional Corporation | +4 hours |
| Second Business (Sole prop or corp) | +3 hours |
| Holding Company | +2 hours |
| Advanced Tax Planning | +3 hours |
| Multi-property Real Estate Analysis | +2 hours |
| Trust or Estate Planning Scenarios | +3 hours |
Example:
Household with 2 corporations + holding company:
Base 10-hours + 4 + 3 + 2 = 19-hours
Cost: 19 × $125 = $2,375 (before any volume discount).
Volume
Bulk discount is applied as a percentage discount on final total of plan request after per plan complexity is assessed.
| Plans per Year | Discount | Effective Hourly rate | Approx. cost per Plan (10 hours) |
|---|---|---|---|
| 1-9 | 0% | $125/hour | $1,250 |
| 10-19 | 10% | $112.50/hour | $1,125 |
| 20-29 | 15% | $106.25/hour | $1062.50 |
| 30+ | 20% | $100/hour | $1,000 |
Example:
Total of 12 plans requested.
After complexity assessment, total of 123 planning hours are quoted.
At the base rate: 123 * $125 = $15,375
After volume discount of 10%: $15,375 * 0.9 = $13,837.50
Payment Models
The Kinridge Financial paraplanning service is available under pay-per-plan or retainer payment models.
Pay-per-plan
- Pay for a plan, one at a time, as needed.
- Availability dependent on current capacity.
Retainer
- Ideal for bulk planning requests.
- Annual retainer.
- Reserve planner capacity for the year.
- Quarterly payment installments.
Deliverables
- Comprehensive financial plan report (client-ready document)
- Financial plan quick reference (client-ready document)
- Advisor summary
- File notes
Getting Started
Contact Kinridge to inquire further:
info@kinridge.ca
(343) 571-7315
