Financial Planning for FIRE

Advice-Only, Fee-for-Service Planning for Financial Independence

FIRE (Financial Independence, Retire Early) is more than a financial goal. It is a fundamental shift in your relationship with money, work, and time. It is an ambitious, unconventional path that demands an equally unconventional financial plan.

"Standard" financial advice is built around a 40-year career and a 30-year retirement. That model simply does not apply to you. You are not just saving for retirement. You are actively engineering your own freedom, and you need a strategy that is as disciplined and optimized as you are.

You do not need a salesperson. You need a technical partner who understands the math, speaks your language, and can help you stress-test your plan against reality.

Why "Standard" Advice Fails the FIRE Test

We find our clients in the FIRE community are meticulous planners. However, they are often looking for an expert partner to navigate a financial landscape that includes risks standard advisors rarely see:

• The 60-Year Retirement: Your portfolio needs to last 50 or 60 years, not 30. This creates massive exposure to inflation and requires a portfolio construction that goes far beyond the "4% rule."

• Sequence of Returns Risk: Retiring early means you are uniquely vulnerable to a market crash in the first five years of retirement. We help you build defensive moats to protect against this specific risk.

• Aggressive Savings Complexity: You are not just saving 10% of your income. You might be pushing 50% or 70%. This requires a sophisticated "Asset Location" strategy to ensure you are filling your RRSP, TFSA, and taxable accounts in the most mathematically efficient order.

First Principles Planning

At Mountainview Planning, we specialize in providing clear, unbiased, advice-only financial planning.

We live and breathe this stuff. We offer no products and receive no commissions. Our only goal is to provide you with a second set of eyes on your spreadsheet and a professional opinion on your assumptions.

Our "Financial Independence" Framework

We have developed a specific planning protocol for FIRE clients that focuses on:

• Pressure-Testing Your "FI Number": We do not just accept your target number. We validate it. We run projections against high inflation and low market return scenarios to give you statistical confidence in the target you are aiming for.

• Tax-Efficient "Decumulation": This is the most critical piece. We create a detailed withdrawal strategy to "bridge the gap" from your early retirement date to age 65. We help you manipulate your income brackets to pay the least amount of tax possible during these low-income years.

• The "Forever Portfolio": We help you design a low-cost, globally diversified investment portfolio built to survive multi-decade market cycles without depleting your capital.

• Optimization of "Tax Drag": For a plan this aggressive, taxes are your biggest enemy. We ensure your investments are located in the right accounts to minimize the tax bill on your growth.

You Are Playing a Different Game.

It is time for a financial plan that gives you the right rules to win.