Retirement Planning

We believe that each person requires a unique and tailored approach to their plan, which is why we build each and every plan from scratch. 

While the plan is built from scratch, every plan includes tax and income strategies we know work.  Some of these include:

• CPP and OAS timing
• RRSP Meltdown
• Laddered Income Planning

And much more.

We know that spending many hours working through your numbers and info, we are able to put more money back in your pocket and less to CRA in the form of taxes.

If you have rental property and/or own an active business - then the Corporate & Rental Plan is for you.

If you have no rental unit and no business then you fall under one of either:

• Single Plan: You are the only person to be included in your retirement plan.  You are not married or common law - or do not want them included in your plan.
• Household Plan: You have a spouse or common law partner that will be included in the plan.

Everyone should be able to find themselves within one of the options above!

Great question!  I have highlighted a few of the many benefits we hear directly from our clients:

• Bring clarity to your retirement. 
• Maximize your after tax retirement income.
• Thousands (usually hundreds of thousands) saved in taxes.
• Give you a clear plan for your income stream in retirement.
• Help you determine when you can retire.
• Help you determine how much you will have when you retire.
• When to start government benefits.
• How to spend more now, with the comfort in a plan that you will have enough later in life.
• Determine the best order to draw down your accounts.
• Strategies to qualify for GIS or avoid OAS clawback.
• And much, much more!!

What our clients tell us is that our plans bring clarity and simplicity to a complicated process. You can read reviews from our clients that have gone through our planning process here.

Absolutely! Although not all plans will need an update, we know life throws curveballs! 

Outside of your retention period, the cost to update your plan is 50% - 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 have delivered the plan, you have a retention period where you can come back to us with questions or clarification around your plan.

We will give you the tools and plan needed to get started with implementation - this can come in many forms. 

• If you are a DIY investor, then implementation falls on your shoulders.
• If you work with a bank of other financial institution, then share your plan with them to start implementation.
• If you would like more help with implementation and the 2 options above don't fit your need, then let our office know and we can make alternative recommendations.

We also have a private implementation website you will get access to, which will help you roll out and implement your plan as needed.  Our goal isn't just to build a great plan for you, but to give you the tools to implement the plan and succeed!