Personal Services
Financial & Retirement Planning
Forward-looking strategies that help you build, protect, and draw down your wealth so you can retire on your own terms.
Retire with confidence, not guesswork.
Retirement planning is not just about saving — it is about knowing exactly how much you need, when you can stop working, and how to draw down your assets in the most tax-efficient way possible. We combine financial projections with proactive tax planning to give you a clear, realistic roadmap to the retirement you want.
What's included
RRSP, TFSA & RESP Optimization
We analyse your contribution room, income projections, and tax bracket to determine the optimal split between RRSP and TFSA contributions each year — and set up RESP plans for your children's education.
Retirement Income Projections
We model your retirement income from all sources — CPP, OAS, RRIF withdrawals, pensions, and investment income — to show you exactly when you can retire and what your after-tax income will look like.
CPP & OAS Planning
Deciding when to take CPP and OAS can mean tens of thousands of dollars over your lifetime. We run the numbers for your specific situation and recommend the optimal start date.
Pension & Benefit Analysis
If you have a defined benefit or defined contribution pension, we review your options — commuted value vs. annuity, survivor benefits, bridge benefits — and help you make the most informed decision.
RRIF Conversion & Drawdown Strategy
When you convert your RRSP to a RRIF, the withdrawal strategy you choose affects your taxes for decades. We design a drawdown plan that minimizes lifetime tax and preserves your estate.
Real-world examples
CPP deferral
A client considering CPP at 60 vs. 70 faced a 42% difference in monthly payments. Our analysis showed that deferring to 70 would generate an additional $187,000 in lifetime income — the right choice given their health and other income sources.
RRSP vs. TFSA split
A couple in their 40s with different income levels was contributing equally to RRSPs. We restructured their contributions — maximizing the higher earner's RRSP and directing the lower earner's savings to a TFSA — saving them approximately $4,200 in taxes annually.
RRIF drawdown
A 71-year-old client converting their RRSP to a RRIF had $680,000 in registered savings. We designed a drawdown schedule that kept their annual income below the OAS clawback threshold, preserving $8,500 per year in OAS benefits.
Pension commuted value
A client leaving a defined benefit pension plan at 55 had to choose between a commuted value of $420,000 or a deferred annuity. We modelled both scenarios over 30 years and recommended the commuted value, which offered greater flexibility and a higher projected outcome.
Frequently asked questions
Ready to plan your retirement?
Book a free consultation and we will build a personalized retirement roadmap for your situation.
Book a Free Consultation