Retirement Planning

Yes! If there is a specific advisor on our fee-for-service team you'd prefer to work with, just let our admin team know after purchasing your plan. We'll do our best to accomodate your request. Please note that selecting a specific advisor may limit scheduling options, so some flexibility with availability is appreciated.

You can view sample plans and a full breakdown of what’s included by following the link below.

View sample plans.

If you have just one and you’re already retired or within two years of retirement, the Household (or Individual) Plan is the right fit. If you’re more than two years away from retirement or have multiple rentals or companies, please select the Corporate/Rental Plan.

Once we receive your information, your initial call with a planner typically takes place within 1 to 2 weeks. Final plan delivery is usually completed within 5 to 7 weeks.

Yes. In fact, we don't collect personal identifiers – we only request financial data related to your assets and liabilities. If any documents are needed, we use a secure, password-protected upload link that is unique to you. Your information is handled with care and kept strictly confidential.

We use a Financial Planning Questionnaire that collects everything we need to get started. It's quick and straightforward to complete, and we provide helpful videos to guide you through it. Once you upload the completed questionnaire to your secure, password-protected folder, your planner will schedule a Zoom call to review the details, confirm accuracy, and answer any questions from you or your planner.

In short, what sets us apart is that retirement planning is all we do. Our fee-for-service advisors each have over 10 years of experience and are all CFP® professionals. Every planner on our team is a staff member or partner of the firm, which means we follow a consistent structure and process to ensure every client receives the same high level of service and quality of plan.

Think of it like Starbucks. Whether you walk into one in Toronto, Vancouver, or Paris, the experience is familiar and consistent. It may be a different barista, but the process and outcome are the same.

Yes. You can watch Kent's story here, where he shares his experience going through the retirement planning process with our team. You can also view over 150 five-star Google reviews here.

We believe every person deserves a financial plan that's unique to their life and goals. That's why we build each plan entirely from scratch — no templates, no shortcuts.

While every plan is customized, we incorporate proven tax and income strategies that work. These include:

• Optimal CPP and OAS Timing
• RRSP Meltdown Strategies
• Laddered Income Planning
• And much more...

By spending hours carefully analyzing your numbers and situation, we're able to craft a plan that helps you keep more of your hard-earned money — and send less to the CRA in taxes.

If you own a rental property and/or run an active business, the Corporate & Rental Plan is the right fit for you. 

If you don't have a rental property or business, you'll fall into one of the following:

• Single Plan: You're the only person included in your retirement plan. You're either single or prefer not to include a spouse or partner in the planning.
• Household Plan: You have a spouse or common-law partner who will be included in the plan.

Everyone should be able to find themselves in one of the options above. If you're unsure, feel free to reach out — we're happy to help you choose the right fit!

Great question!

You can find examples of our plan deliverable here.

the following are just a few of the many benefits our clients share with us after going through the planning process:

• Clarity around what retirement will look like.
• Maximized after-tax retirement income.
• Significant tax savings (often tens or even hundreds of thousands).
• A clear, step-by-step income plan for retirement.
• Confidence in knowing when you can retire.
• Clarity on how much you'll have in retirement.
• Guidance on when to start government benefits.
• The ability to spend more now, with confidence you'll have enough later.
• Determine the best order to draw down your accounts.
• Strategies to avoid OAS clawback.
• ...and so much more!!

What we consistently hear from clients is that our plans bring clarity and simplicity to an otherwise complicated process. Want to hear from others who've gone through our planning process? You can read their reviews here.

Absolutely! While not all plans will require an update, we understand that life can throw curveballs.

If you're outside of your retention period, we offer plan updates at 50% to 75% off the current rate of the plan you need updated.

Learn more about our plan updates here. 

Contact us at [email protected] for more details on this.

Once we've delivered your plan, you'll have a 3 month retainer period where you can reach out to us with any questions or for clarification.

We'll also provide the tools and guidance you need to start implementing your plan – tailored to your preferred approach:

• DIY Investor: You'll take the lead on implementing the plan on your own.
• Working with a Bank or Advisor: Share your plan with them so they can help you carry it out.
• Need More Support? If the two options above don't suit your needs, let us know – our team can offer alternative recommendations.

You'll also receive access to our private implementation website, designed to walk you through each step of putting your plan into action.

Our goal isn't just to build a great plan – it's to equip you with everything you need to implement it successfully and with confidence.