What kinds of financial planning services does Summit Financial offer?

Summit Financial typically supports personal financial planning with a focus on organizing your finances, setting priorities, and building a plan that fits your situation. That can include budgeting guidance, retirement planning, education savings, debt strategy, and planning for major life changes, depending on what you need.

What is usually included when I start a planning engagement?

A planning engagement usually includes a review of your current financial picture, a discussion of your goals, and a step-by-step plan with clear recommendations. The scope can also cover cash flow, savings, investment considerations, insurance needs, and tax-aware planning where relevant, so the work stays connected to your broader financial picture.

How is pricing for financial planning at Summit Financial usually determined?

Pricing is typically based on the scope of the planning work, the level of detail needed, and whether the engagement is one-time or ongoing. A straightforward review may cost less than a more involved plan that includes cash flow, retirement, tax-aware planning, and coordination with other professionals.

Can you provide a quote, and what information affects the fee?

Yes, a quote is usually prepared after a brief discussion about your goals and the type of planning support you need. Factors that can affect the fee include the complexity of your finances, the number of accounts or planning areas involved, and whether you want a one-time plan or continued support over time.

How can I contact Summit Financial to start a planning conversation?

You can usually reach out by phone, email, or the contact form on the website to begin. Once your message comes in, a team member will follow up to understand what you want to plan for and help set up the next step.

Terms of Service

Effective Date: July 31, 2026

1. Introduction and Acceptance of Terms

These Terms of Service (“Terms”) form a legally binding agreement between you (“Client,” “you,” or “your”) and Summit Financial Planning (“Company,” “we,” “us,” or “our”). By accessing our website, engaging our services, requesting a consultation, or otherwise using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and any additional written engagement terms, statements of work, schedules, or service agreements that may apply.

If you do not agree to these Terms, you must not use our services. These Terms apply to all visitors, prospective clients, and clients of Summit Financial Planning.

2. Scope of Services

Summit Financial Planning provides professional financial advisory and planning services in Canada, which may include, without limitation:

Personal financial planning
Retirement income strategies
Investment portfolio management
Tax-efficient wealth planning
Small business financial advisory
Estate and legacy planning

Services are provided based on the information you supply, your stated objectives, and any scope limitations set out in a separate engagement letter or advisory agreement. We may, at our discretion, decline or discontinue services where we determine that the requested service is outside our professional scope, conflicts with applicable law, or would otherwise be inappropriate.

Unless expressly agreed in writing, our services do not include legal advice, accounting services, tax filing services, auditing services, or guaranteed investment performance. You are responsible for consulting with qualified legal, tax, insurance, and other professional advisors as needed.

3. User Obligations and Responsibilities

You agree to:

Provide complete, accurate, current, and truthful information at all times;
Promptly update us regarding any material changes to your financial situation, goals, risk tolerance, residency, tax status, business operations, or other relevant circumstances;
Review all recommendations, account documents, reports, and communications carefully;
Promptly notify us of any unauthorized activity, errors, omissions, or suspected fraud;
Cooperate reasonably with requests for information required to deliver services and meet legal or regulatory obligations;
Comply with all applicable laws, regulations, and third-party terms relating to your use of our services.

You acknowledge that recommendations may be based on incomplete, inaccurate, or outdated information if you fail to provide full and current disclosures, and we are not responsible for resulting consequences.

You are solely responsible for decisions you make based on our services, including investment, tax, retirement, business, and estate planning decisions, subject to any mandatory protections or obligations under applicable Canadian law.

4. Payment Terms and Conditions

Fees, billing structure, and payment terms will be disclosed to you before services are delivered, and may be set out in a written engagement letter, invoice, fee schedule, or other agreement. Unless otherwise stated in writing:

Fees may be charged as flat fees, hourly fees, retainer fees, subscription fees, percentage-based advisory fees, or other agreed arrangements;
All fees are stated in Canadian dollars unless expressly stated otherwise;
Invoices are due upon receipt or within the payment period specified on the invoice;
Late or overdue amounts may be subject to interest at the maximum rate permitted by applicable law, plus reasonable collection costs;
You are responsible for all applicable taxes, including GST/HST/PST, where applicable;
Third-party charges, product fees, brokerage fees, custodial fees, fund fees, bank charges, legal fees, and similar costs are separate from our fees unless expressly included in writing.

We reserve the right to suspend or withhold services, to the extent permitted by law and any applicable engagement agreement, if payment is overdue or if required information has not been provided.

5. Cancellation and Refund Policy

You may cancel services by providing written notice to Summit Financial Planning using the contact details set out below, subject to any minimum notice period or termination terms in your engagement agreement.

Unless otherwise required by law or expressly stated in a signed agreement:

Fees already earned, services already performed, and non-refundable costs or third-party charges are not refundable;
Any prepaid fees may be refunded on a prorated basis for services not yet performed, less any non-cancellable expenses incurred, if applicable and subject to the terms of your engagement;
Cancellation does not relieve you of obligations to pay outstanding invoices, taxes, or costs incurred before the cancellation effective date.

If services are terminated due to breach of these Terms, non-payment, misrepresentation, or unlawful conduct, refunds may be limited or unavailable to the fullest extent permitted by applicable law.

6. Liability Limitations

To the maximum extent permitted by applicable Canadian law, Summit Financial Planning, its directors, officers, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or aggravated damages, including loss of profit, loss of opportunity, market loss, business interruption, or loss of data, arising out of or relating to your use of our services.

Without limiting the foregoing, we are not responsible for losses caused by:

Market fluctuations, economic conditions, issuer defaults, or changes in interest rates, tax laws, regulations, or government policy;
Your failure to implement, follow, review, or update recommendations;
Incomplete, inaccurate, or late information provided by you or third parties;
Actions or omissions of third-party custodians, brokers, banks, insurers, software providers, or other service providers;
Force majeure events or circumstances beyond our reasonable control.

Our total aggregate liability arising from or relating to the services, whether in contract, tort, negligence, strict liability, or otherwise, shall not exceed the total fees actually paid by you to Summit Financial Planning for the specific service giving rise to the claim during the twelve (12) months preceding the event giving rise to the claim, except to the extent such limitation is prohibited by law.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded under applicable law, including liability for fraud, wilful misconduct, or any mandatory consumer protection rights that cannot be waived.

7. Intellectual Property Rights

All materials created, provided, or made available by Summit Financial Planning, including reports, presentations, models, templates, checklists, methodologies, written content, graphics, and other proprietary materials, are owned by us or our licensors and are protected by applicable intellectual property laws.

Subject to your compliance with these Terms and payment of all applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable licence to use deliverables solely for your personal or internal business purposes, as applicable to the services purchased.

You must not, without our prior written consent:

Copy, reproduce, modify, distribute, resell, sublicense, or publicly display our materials;
Remove or alter proprietary notices;
Use our materials to create derivative commercial products or services;
Reverse engineer or attempt to extract proprietary methods or software, where applicable.

You retain ownership of the information and materials you provide to us. By submitting information, you grant us a limited right to use it as necessary to deliver the services, comply with legal obligations, and maintain our business records.

8. Data Protection and Privacy

Summit Financial Planning collects, uses, discloses, stores, and protects personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation, as relevant.

We may collect personal, financial, tax-related, employment, family, and business information necessary to provide services, conduct know-your-client assessments, meet compliance obligations, prevent fraud, and communicate with you.

We may share your information only as reasonably necessary with:

Service providers, custodians, platforms, and other third parties involved in delivering the services;
Regulatory bodies, auditors, insurers, or legal advisors where required or permitted by law;
Government agencies, courts, or law enforcement where legally required;
Other parties with your consent or as otherwise disclosed to you.

We take commercially reasonable administrative, technical, and physical safeguards to protect personal information. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Where required, you may request access to or correction of your personal information by contacting us using the details below. By using our services, you consent to our privacy practices as described in these Terms and any applicable privacy notice.

9. Force Majeure

Summit Financial Planning shall not be liable for any failure or delay in performing its obligations where such failure or delay results from events beyond our reasonable control, including but not limited to natural disasters, fire, flood, epidemic, pandemic, labour disputes, war, terrorism, civil unrest, power or telecommunications failures, cyber incidents, acts of government, regulatory changes, or the failure of third-party service providers.

If a force majeure event occurs, we will use commercially reasonable efforts to resume performance as soon as practicable. Any affected obligations shall be suspended for the duration of the event to the extent necessary.

10. Changes to Terms

We may update or modify these Terms from time to time to reflect changes in our services, operational practices, legal requirements, or regulatory obligations. The revised Terms will be effective when posted or when otherwise communicated to you, unless a later effective date is stated.

Your continued use of our services after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the services and, if applicable, terminate your engagement in accordance with the applicable agreement.

11. Applicable Law and Jurisdiction

These Terms, any separate engagement agreement, and any non-contractual obligations arising out of or in connection with them shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

You agree that the courts located in Vancouver, British Columbia, shall have exclusive jurisdiction over any dispute, claim, or proceeding arising out of or relating to these Terms or our services, subject to any mandatory rights or statutory remedies that cannot be waived under applicable law.

12. Contact Information

If you have any questions, concerns, or requests regarding these Terms or our services, please contact us at:

Summit Financial Planning
Suite 402, 1200 Burrard Street
Vancouver, BC V6Z 2C7
Canada

Email: [email protected]
Phone: +1 (604) 683-4917

13. Severability Clause

If any provision of these Terms is found to be invalid, illegal, unenforceable, or contrary to applicable law by a court or other competent authority, that provision shall be severed or limited to the minimum extent necessary so that the remaining provisions remain in full force and effect.

If any invalid or unenforceable provision can be interpreted in a manner that preserves its legality or enforceability, it shall be interpreted accordingly to reflect the original intent as closely as possible.

Entire Agreement: These Terms, together with any applicable engagement letter, service agreement, privacy notice, or fee schedule, constitute the entire agreement between you and Summit Financial Planning regarding the subject matter herein and supersede prior or contemporaneous understandings, whether written or oral, to the extent permitted by law.

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