Retirement Planning

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!

Here 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 retention 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.