Detailed financial, values, and goals based written plan
Common questions that Canadians face when they get close to retirement and are assessing their financial future:
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Will I have enough for retirement?
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How much can I comfortably spend in a year in retirement?
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What happens to my RRSP when I turn 71?
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What are the differences between a RRIF and RRSP?
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Are there any investment options suited to retirement?
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What estate taxes and probate fees will I face?
We can determine this with our scenario analysis - this is the process of projecting your financial life into the future with our advanced financial planning software. We can offer 2-3 different scenarios to suit your situation / life preferences.
In addition to your RRSP and TFSA, most Canadians are eligible for and uncertain of when to take their:
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CPP - Canadian Pension Plan
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OAS - Old Age Security
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Some sort of employer-sponsored plan?
We will tell you how to tax efficiently live in retirement. Go over the best income splitting (if applicable) strategies. From which accounts to draw money from first and consult with you on your goals, values, and layout a yearly spending plan to suit your needs. All projected many years in the future with advanced, industry-leading software.
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Service includes two meetings held by video conferencing
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Written financial plan with recommendations
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Action items and assistance with implementation
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A retirement plan includes a projection well into the future for your financial affairs and life.
Ideal for
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Someone in the "near retirement" life stage
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Someone in retirement looking for a second opinion
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Anyone wondering what retirement could look like for them in the future.
ONGOING SUPPORT
This is an optional service designed for clients who want continuous access to expert guidance as their financial lives evolve. Rather than being a one-time project, this partnership ensures your financial plan remains a "living document" that adapts to changes in tax laws, market shifts, or personal life events.
By enrolling in this service, you ensure your strategy never becomes outdated. We handle the heavy lifting of tracking your milestones and providing proactive updates, so you can focus on enjoying your retirement or running your business without the stress of "second-guessing" your financial decisions.
$125 per Month and up
Services included in Ongoing Support:
6-Month Check-in Video Call
Dedicated mid-year session to review progress, adjust for any life changes, and ensure you are on track with your primary goals.
1-Year Financial Plan Update
A comprehensive annual refresh of your written plan, including updated projections and adjusted tax-efficient withdrawal strategies based on the current year’s data.
Ongoing Email Support
Assistance in coordinating with your existing team of accountants or lawyers to ensure a cohesive implementation of your plan.