We find it helpful to provide the following information about our packages, prices, and policies prior to your initial phone call with Melany or Jennifer. Please review it carefully and let us know if you have any questions in your initial call.

FRESH LEGAL & PULSE WEALTH MANAGEMENT

Jennifer Reynolds (Fresh Legal) and Melany Goodhue (Pulse Wealth Management) are working in association and not in partnership. Jennifer and Melany will each invoice a portion of the fees below and they shall be paid separately to each of them. Each professional's fees are to be paid to them directly.

These services involve Jennifer and Melany working in tandem. They will need to share information freely with each other to provide these services. Your consent to Jennifer and Melany sharing all information obtained from you freely with the other person will be required.

SERVICES & INVESTMENT

This section is intended to set forth the terms and objectives of The Life Rebuild Strategy offerings. Each service is designed to provide you with access to the advice you need based on your situation and the goals and objectives you have for your family. All prices are subject to HST.

At the beginning of your initial call with Jennifer or Melany, please let us know what level of service you are interested in discussing so that they can make the most of your time.

All of our strategies include advice and strategy sessions with a family lawyer and a Certified Financial Planner.  The ideal package for you will depend on your goals and/or the level of ongoing support you need as you rebuild your finances after your separation.

Strategy 1 – The Retirement Reset

Ideal for those who primarily want to gain clarity and understanding about their separation will impact their ability to retire securely, including the impact of different options for asset/debt division and support.  You will receive a focused analysis of how your options will affect your retirement.

Included:

• Detailed guide to family law disclosure and personal support in gathering information and documents

• Online disclosure portal

• Education and strategy sessions with a family lawyer

• Calculation of support and asset/debt division, including multiple scenarios

• Digital and printed copies of your support calculations and asset/debt division

• 60-90 minute Retirement Optimization Strategy session with a Certified Financial Planner to compare the long-term projection of your various options

• Digital and printed copies of your chosen retirement projections scenario

• Access to your online retirement plan portal

Investment

• $5,000

• Plus $1,000 per entity (e.g. corporation, trust, etc.)

Strategy 2 – The Reinvention Roadmap

Perfect for those who want guidance and support for a full financial reset after separation, including clarity on income, retirement, taxes, wealth-building, and lifestyle. You’ll walk away with a full, comprehensive financial plan that addresses retiring comfortably and your other financial goals, so you can feel confident and excited about your next chapter.

Included:

• Everything from The Retirement Reset PLUS:

• 1-2 half day VIP Planning Strategy session(s) with a Certified Financial Planner to provide a detailed, step-by-step plan on how to accomplish your remaining financial goals

• Digital and printed copies of your personalized comprehensive financial plan

• Access to your online comprehensive financial plan portal

Investment

• $6,000

• Plus $1,000 per entity (e.g. corporation, trust, etc.)

Strategy 3 – The Empowerment Partnership

The ultimate package for those individuals looking for a trusted legal and financial team walking beside them every step of the way to provide advice, guidance and strategy for their financial future.  This includes ongoing legal advice until you have a signed Separation Agreement, a full financial plan for your new journey, and a financial plan re-check within three months of completing your Separation Agreement. 

Included:

• Everything from The Retirement Reset and The Reinvention Roadmap PLUS:

• Ongoing legal advice and negotiation support as you navigate negotiations or mediation with your spouse

• Assistance with completing a Financial Statement (Form 13/13.1)

• Preparation of a comprehensive Separation Agreement or independent legal advice on a Separation Agreement prepared by a lawyer or lawyer-mediator

• Work with your CFP will integrate budgeting, investments, insurance, real estate, taxes, debt, pensions, estate planning, and more

• Ongoing support from your CFP during negotiations with your former spouse, including up to three updated projections after your VIP session(s)

• Financial plan re-check within three months of completing your Separation Agreement

Investment

• $6,000 base fee

• Plus $1,000 per entity (e.g. corporation, trust, etc.)

• $1,500 per month for ongoing support from family lawyer

• $1,750 for a Separation Agreement or Independent Legal Advice

• Fee charged by CFP depends on complexity and scope of support require

OUR PROCESS

If we decide to move forward, here is what you can expect:

Step 1: Discovery Call: Discuss your current situation, needs and goals, and determine how we will work together and define the terms of our relationship.

Step 2: Consultation with Jennifer: Learn about your legal rights and obligations.

Step 3: Homework – Part 1: Gather information required by Jennifer

Step 4: Legal Advice: Jennifer will evaluate your situation based on the information you’ve provided and develop and present your options as well as provide legal advice in a detailed strategy session.

Step 5: Homework – Part 2 & 3: Gather remaining information required by Melany

Step 6: Financial Planning: Melany will evaluate your situation based on the information you’ve provided as well as your legal options provided by Jennifer.  She will develop and present your various division of asset options projected from now until mortality so you can understand how they compare, as well as the short- and long-term value of each.  With the Reinvention Roadmap and the Empowerment Partnership packages, she will also present recommendations to accomplish your remaining financial goals.

Step 7: Implementation*: If applicable, implement, monitor, and revise your legal and financial plans as necessary.

* The right fit is a must for everyone involved in the financial planning space to work together long-term, after the initial strategy.  As such, implementation of your financial plan with Melany cannot be decided at the time of your strategy purchase.   It will be a mutual decision at the completion of your strategy, if all parties feel there is a good fit to work together on an ongoing, annual basis.

TERMINATING SERVICES

You are free to end your relationship with Fresh Legal and/or Pulse Wealth Management at any time by writing to Jennifer and/or Melany.

Subject to their obligations to you to maintain proper standards of professional conduct, Jennifer and Melany both reserves the right to terminate their services to you for good reason.

PULSE WEALTH MANAGEMENT POLICIES

Your relationship with Melany will be governed by a Services Agreement, a copy of which will be provided to you for review and signature prior to commencing services.  A summary of some important policies is included here.

Pulse Wealth Management (“Pulse”) is guided by a code of ethics based on several principles including integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence.

Pulse believes in open communication and is committed to the following principles:

1. They will always put your best interests first.  They are committed to putting your interest first, every time.

2. They will act with skill, care, diligence and good judgement at all times.

3. They will not knowingly mislead you and they will provide full and fair disclosure of all important facts.

4. They will avoid conflict of interest.

Pulse has established policies and procedures for Best Practices guidelines including Client Engagement, Pulse Planning Process, Privacy & Confidentiality Disclosure, Advisor & Compensation Disclosure.

To ensure Pulse’s files are up-to-date and compliant with current Federal and Provincial legislation, please review this document and the Services Agreement (when provided) carefully.

Privacy Agreement

Confidentiality

All information that you provide to Pulse will be kept strictly confidential. They will not share it with anyone except with your consent or as required by law. If you purchase a product, there will be further privacy disclosure wording on the application.

Privacy

Pulse will not sell client information to anyone, nor do they share client information with organizations that are outside of their relationship with you.

PIPEDA & Canadian Anti-Spam Legislation

Pulse adheres to the Personal Information Protection and Electronic Documents Act (PIPEDA), a federal privacy law, and the provincial privacy laws that apply.  Pulse will maintain the highest standards of confidentiality to ensure the protection of your personal information.  They also adhere to the Canadian Anti-Spam Legislation and Regulations and will only communicate electronically with your permission.

Electronic Communication

Until advised otherwise, you consent to receiving electronic communications from Pulse regarding your business relationship. You can withdraw your consent at any time.

Retention of Documents

Information that is no longer required for the intended original purpose will be discarded by shredding or otherwise destroyed. 

Advisor Disclosure

License & Jurisdiction

Melany Goodhue is a Certified Financial Planner, as well as an independent broker for life and health insurance in the province of Ontario.  Melany can work with companies across Canada for investments and insurance.

Compensation

Melany is paid for the initial planning process on a fee-for-service basis.  If you choose to implement a financial product through her (investments and/or insurance), she will be paid a sales commission from the company that provides the product. Be assured that, even though she is paid commissions by Insurance Companies, your financial objectives are always her priority.

More Information

Should you require additional information about Melany’s qualifications or the nature of her business relationships, she would be pleased to assist you. 

FRESH LEGAL POLICIES

Jennifer is a lawyer licensed to practice in Ontario and is bound by the By-Laws and Rules of Professional Conduct of the Law Society of Ontario, which regulates lawyers and paralegals in Ontario.

Your relationship with Jennifer will be governed by a Retainer Agreement, a copy of which will be provided to you for review and signature prior to commencing services. A summary of some important policies is included here.

Court Documents

The Life Rebuild Strategy™ is a coaching service which consists of providing you with legal advice and information during meetings, telephone calls, and by email.

This service does not include the preparation of court documents and required disclosure, except for assisting you with preparing a Financial Statement (Form 13/13.1) if the package chosen includes this service.

This service does not include full legal representation, including correspondence with the opposing party/counsel, being on record at court, and filing documents with the court on your behalf.

If you are involved in a court proceeding or arbitration, you are solely responsible for ensuring all documents are served and filed by the deadlines set out in the Family Law Rules or in any Order or Endorsement in your case, and for uploading documents to Case Centre, unless otherwise agreed upon in writing.

Confidentiality and Privilege

All information that you provide to Fresh Legal will be kept strictly confidential. They will not share it with anyone except with your consent or as required by law, the Law Society of Ontario, or as otherwise permitted by the Rules of Professional Conduct.  Fresh Legal is also bound by solicitor-client privilege.

Email Communication

It is up to you to provide an email address you consider sufficiently secure to receive confidential and/or privileged communications. You may wish to set up a new email address and/or change your password to your account to ensure your former spouse or other third parties do not have access.

We recommend that you avoid using your work email address, which is likely the property of your employer and may be accessible by other people.

Due to the inherent risks associated with the Internet, we assume no responsibility for unauthorized interception of any Internet communication with you or the transmission of computer viruses.

Use of ChatGPT and Other AI Tools

By entering any of your case details or communication with us into ChatGPT or any other AI tool, you may be at risk of waiving solicitor-client privilege or disclosing confidential information. Waivers of privilege and disclosure of confidential information to others could hurt your case or harm your interests.

File Retention and Transfer

Fresh Legal will retain your file for a minimum of 15 years, in compliance with the Law Society of Ontario.

If you request a copy of your file at any time, you will not be provided with:

• Documents or emails already provided to you during our relationship (e.g. correspondence, accounts)

• Internal documents prepared for Fresh Legal’s own benefit including notes, dockets, accounting records, internal memoranda, and retainer documents

Fresh Legal maintains a paperless office; all client files will be provided in a PDF format. Paper copies of your client file can be provided, if requested, for an administration fee of $50.00.