Smarter Withdrawals. Lower Taxes. More Income
Start with our 2-minute questionnaire, to begin your personalized retirement plan.
Marc Sabourin, CFP®
Portfolio Manager
You've saved enough to retire...now what?
- When should you take your CPP & OAS?
- Which accounts should you draw from first?
- How do you avoid lossing your savings to taxes
You’ve done your part. Now it’s about turning your savings into sustainable income, without costly mistakes.
In This 30-Minute Call
No jargon. No pressure. Just the strategies we use to help clients reduce taxes, protect benefits, and turn their savings into reliable income.
- A high-level income map tailored to your savings
- Smarter RRSP, TFSA, and non-registered withdrawal strategy
- CPP and OAS timing guidance to protect benefits
- A plan to reduce your lifetime tax bill — not just this year’s
- Insights to avoid OAS clawbacks and retirement tax traps
- A monthly income number you can actually spend with confidence
You’ll leave feeling more confident about what retirement could look like and whether we’re the right team to help you get there.
Real People. Real Plans. Real Results.
Norm & Robin
Clients since 2015
They helped us see the bigger picture in our overall long-term planning and for retirement.
Wade
Client since 2024
I know that I’m going to be in a better spot as a result of this relationship.
Pamela
Clients since 2016
Once you plan financially for your future, it makes living in the present so much better
Phil
Clients since 2013
There’s no problem for us to see our dreams come true, and it doesn’t have to be that complicated
Who You Work With Matters
Tax-Focused Planning
We build withdrawal strategies that reduce taxes, protect OAS, and give you peace of mind that your money will last.
Clear, Honest Advice
No pressure. No product pushing. Just planning that’s built around your retirement goals and timeline.
Always Within Reach
You’ll hear from us regularly and always speak with someone who knows your plan.
Is This Call Right for You?
This call is designed for Canadians nearing retirement who want to spend smarter, reduce taxes, and protect what they’ve built.
- Between 55-70, approaching or recently retired
- Over $500K in RRSPs, LIRAs, pensions, or other tax-deferred accounts
- Seeking to minimize taxes and avoid OAS clawbacks
- Unsure about CPP timing or withdrawal sequence
- Focused on building a clear, personalized retirement plan
Have Questions?
What happens on the call?
We’ll walk through your current retirement situation, explain how we build income and tax strategies for our clients, and help you decide if our approach is a good fit. There’s no prep required and no pressure to move forward.
Is this really free?
Yes. The call is completely free, with no pressure or obligation.
We offer it because the best long-term relationships start with trust. This call gives both of us a chance to understand your goals and share how we can help.
What if I already have an advisor?
Many of our clients came from other firms or banks. If you’re not getting retirement-focused planning, especially around taxes and withdrawals, it’s worth a second opinion.