Create a retirement plan that supports your lifestyle and lasts. We align investments, pensions, CPP, OAS, and tax strategy so your income is reliable and efficient.
Retirement Planning Services
Who this helps
- Pre-retirees who want to see if they are on track
- Retirees who want a tax-smart income plan
- Families coordinating multiple pensions and accounts
What is covered
- Retirement goals, timing, and lifestyle costs
- Income sources across RRSP, TFSA, non-registered, pensions, and LIRAs
- CPP and OAS start date strategy and clawback awareness
- Sustainable withdrawal rates with inflation and longevity testing
- Tax planning by account type and order of withdrawals
- Scenario testing for one-time goals and what-ifs
What you receive
- A clear retirement income map year by year
- Withdrawal order and account strategy
- A list of actions to complete your plan
How this fits into our services
This work is included within our planning packages or available through hourly engagement when a custom approach makes more sense. It is not sold as a standalone service.
Common questions
When should I start CPP and OAS?
We model your specific case and choose the start dates that best support your goals and longevity risk.
How do I draw from multiple accounts?
We set a withdrawal order and rebalance plan that considers tax, benefits, and cash needs.
What if markets fall early in retirement?
We build a buffer and include guardrails to protect your plan.