Financial Planning for HENRY's

Advice-Only Planning for "High Earners, Not Rich Yet"

You are a HENRY. You have the six-figure income. You have the advanced degree or highly specialized skill set. From the outside, you are the picture of success. But looking at your bank account, the math does not add up.

Despite your high salary, you feel like you are running on a "golden treadmill." Between the highest marginal tax brackets, a massive mortgage (especially in Vancouver or Calgary), and student loan payments, it feels impossible to actually build the wealth you thought you would have by now.

You do not need a basic budget app. You need a sophisticated strategy to turn your high income into lasting net worth.

Why High Income Does Not Equal Wealth

We find our HENRY clients are smart and driven but are frustrated that their net worth is not keeping pace with their paycheck. We help you navigate a financial landscape that includes:

• The Tax Drag: When you earn a high income, the government becomes your biggest business partner. Without a plan, you lose nearly half of every extra dollar you earn to taxes.

• The "Optimization" Headache: You are trying to do it all at once. Pay down six-figure student loans, save for a down payment, max out your RRSP, and still have a life. It is an overwhelming optimization problem.

• Complex Compensation: Your pay is not just a simple salary. You are managing a mix of bonuses, RSUs, stock options, or partnership income. Each comes with its own complex tax rules.

• Lifestyle Creep: As your income grows, your spending grows with it. It is easy to fall into a pattern where your savings rate stays flat even as your career skyrockets.

Treat Your Household Like a Business

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

We offer no products and receive no commissions. We view your finances through a business lens. We help you minimize overhead (taxes and interest), optimize cash flow, and reinvest profits to build equity.

Our "Wealth Accumulation" Framework

We have developed a specific planning protocol for high earners that focuses on:

• Tax-Bracket Arbitrage: Tax optimization is not optional for you. It is the single biggest lever you have. We build a comprehensive plan to use your RRSP, TFSA, and corporate accounts to legally reduce your lifetime tax bill.

• The Automated Wealth System: We move beyond simple budgeting. We design a detailed, automated cash flow system that directs every dollar of your income with purpose. This ensures you are saving aggressively without thinking about it.

• RSU & Equity Strategy: We help you create a clear plan for your company equity. We answer your questions on vesting, diversification, and how to manage the significant tax bill that comes with your shares.

• Intentional Lifestyle Design: We help you align your spending with your values. We build a plan that allows you to enjoy the rewards of your hard work today while ensuring you are methodically building the freedom you want for tomorrow.

Stop Just Earning. Start Building.

It is time to get off the treadmill. Let us build a plan that makes your high income work for you.