A Process Built for Your Retirement
We don’t offer one-size-fits all plans. Instead, we guide you through a clear, personalized process that maps out your income, taxes, and investments through tax-efficient retirement planning.
How Our Process Works
Day 1
Free Review
We start with a call where we talk through your goals, your current situation, and see if we’re the right fit to help. There’s no prep needed and no pressure.
Day 2-10
Building Your Retirement
This is where we do the heavy lifting. We map out all your income sources, align your investments with your needs and goals, and build a strategy to minimize taxes throughout your retirement. Everything is personalized to your situation.
Day 10-15
Finalize Plans
We meet again to review everything we have implemented. We can make any adjustments needed and then finalize everything together.
Day 15-Lifetime
Ongoing Support
With your strategies in place, we constantly monitor your investments and withdrawals, making adjustments as needed. You can sit back and enjoy retirement knowing everything is looked after
Building Your Retirement
Map Your Retirement Income
We start by mapping out all your retirement income sources such as RRSPs, TFSAs, government pensions, and more to understand your monthly income potential.
Structure Your Investments
Your portfolio is designed to support your goals and income needs. We ensure all your accounts are working together, growing tax-efficiently.
Reduce Your Retirement Taxes
We use advanced planning tools to structure your withdrawals, income timing, and investment growth to minimize your lifetime taxes. This forms the basis of your retirement withdrawal strategy, tailored to your specific income sources.
You Tell, We Show
Tell us what you want retirement to look like — we’ll show you what’s possible with your income, investments, and taxes. Every recommendation comes with a clear financial projection. You’ll see exactly how much income you can spend, how long it will last, and what different spending stages look like.
Built Around Your Timeline
We use a three-bucket strategy — short-term, mid-term, and long-term — to align your investments with your income needs and goals.
The balance between each bucket is personalized to your situation, so your plan feels structured, flexible, and built for peace of mind.
With You Every Step Of The Way
We don’t just build a plan and send you on your way.
We monitor your progress, stay on top of tax and market changes, and adjust your plan as life evolves.
You’ll hear from us regularly, not just when you reach out.
Why Our Clients Trust This Process
- They understand exactly where their income is coming from
- They pay less tax over time by planning ahead
- Their investments have a clear purpose
- They’re always informed and get quick responses
Questions?
What happens after I book a free retirement review?
You’ll meet one-on-one with one of our planners to talk through your goals and questions.
There’s no prep required and no pressure to commit.
If it feels like a good fit we’ll guide you through the next steps
Do I need to move my investments to work with you?
To deliver the best tax planning, we need to manage how your investments are structured. That way, we can coordinate everything: your income, taxes, and withdrawals to work together as efficiently as possible.
What kinds of accounts do you work with?
We work with just about everything. RRSPs, TFSAs, LIRAs, pensions, corporate accounts, non-registered investments, and rental properties. Our job is to corrdinate all of it into one clear plan.
We don’t work with foreign or cross-board accounts or tax planning. If you situation involves multiple tax jurisdictions, we may not be the right fit.
I already have an advisor. Is this still for me?
Many of our clients came to us while working with another advisor. They realized they had investments, but not a real retirement plan. We help fill that gap.
What’s the best RRSP withdrawal strategy?
It depends on your income needs, other savings, and tax situation. We’ll help you create a personalized RRSP withdrawal strategy that keeps more money in your pocket and avoids unnecessary tax.
What’s the best RRSP withdrawal strategy?
It depends on your income needs, other savings, and tax situation. We’ll help you create a personalized RRSP withdrawal strategy that keeps more money in your pocket and avoids unnecessary tax.
Should I take money from my TFSA or RRSP first?
Everyone’s situation is different. We’ll walk you through the pros and cons of drawing from your TFSA vs RRSP in retirement, and help build a strategy that lowers taxes and protects your benefits.
Do you help with retirement tax strategies?
Yes, it’s a core part of what we do. We help you structure your income and withdrawals to minimize taxes throughout retirement, not just in the short term.
We have been clients for the past few years. We have had many meetings, and everything is always explained thoroughly. We are very impressed with the personalized professional service and advice given to us.
-Cara V.
Wondering if Our Process Is Right for You?
Let’s find out together. Book a call today.