Fee-Only Retirement & Decumulation Planning for Canadians 50+
Clarity. Confidence. A tax-efficient path to the retirement you want.
I help Canadians approaching retirement (typically age 50 and over) build clear, tax-efficient decumulation strategies that maximize lifelong after-tax income and optimize government benefits.All meetings are virtual. All plans are delivered digitally. I work with clients across Canada.
Individual Retirement & Decumulation Plan — $2,500 CAD + tax
A comprehensive retirement and decumulation plan tailored to your goals, pensions, tax situation, and desired lifestyle.• Retirement stage planning (early, mid, and late retirement)
• Lifestyle and spending projections across retirement stages
• Personalized withdrawal strategy across all account types
• CPP & OAS timing optimization
• Tax-efficient income planning
• Government benefit optimization
Couple / Household Retirement & Decumulation Plan — $3,000 CAD + tax
Integrated planning for couples designed to reduce combined lifetime taxes and maximize after-tax retirement income.• Coordinated withdrawal strategy across all account types for both spouses
• Lifestyle and spending projections for early, mid, and late retirement
• Pension income splitting optimization
• Combined tax planning
• CPP & OAS timing strategy for each spouse
• Survivor scenario analysis
Corporate Retirement Planning — $4,000 CAD + tax
For business owners seeking a coordinated personal-corporate retirement income strategy for one corporation.Important:
• The fee applies to one corporation.
• Additional corporations, holding companies, or multi-entity structures are not included.
• I do not provide planning for rental-property corporations or complex corporate tax structuring.
Every plan is designed to give you clarity, confidence, and a clear path forward.• Detailed retirement income projections
• Coordinated, tax-efficient withdrawal strategy
• Government benefit optimization (CPP, OAS, pension income splitting)
• Clear year-by-year income roadmap
• Stress testing of your retirement plan
• Digital retirement plan (PDF) and supporting spreadsheet
• A walkthrough video of your deliverables
• Personalized recommendations and next-step actions
• 100% advice-only planning (no investments, no product sales)
1. Discovery Call (30 minutes)
We begin with a short, no-obligation call to confirm your goals, understand your situation, and ensure a full retirement and decumulation plan is the right fit.
2. Engagement & Payment
If you decide to proceed, you’ll receive a digital Letter of Engagement and invoice. Once completed, you’ll receive your questionnaire and secure document upload instructions.
3. Questionnaire & Document Upload
You complete a detailed questionnaire and upload your documents securely at your own pace.
4. Review & Clarification
I review your questionnaire and documents in detail. If anything requires clarification, I’ll follow up by email with specific questions. Once all clarifications are complete, you’ll be invited to book your Plan Presentation meeting. If further discussion is needed, I’ll provide a link to schedule a brief clarification call.
5. Plan Creation
I build your customized retirement and decumulation strategy, including income projections, tax-efficient withdrawal recommendations, and retirement-stage planning.
6. Plan Presentation & Final Deliverables
We meet virtually to walk through your complete plan in detail. All deliverables are provided digitally and include a personalized PDF retirement plan, supporting spreadsheet and a walkthrough video of your deliverables. No physical documents are mailed.
Post-Delivery Support (3-Month Retainer)
All plans include a 3-month retainer period following plan delivery for questions and clarifications related to the content of your plan. This support is intended for implementation questions and understanding recommendations, and does not include major plan changes.
Do you work with clients across Canada?
Yes. I work with clients nationwide and all meetings are conducted virtually.
Are you fee-only?
Yes. I provide advice-only financial planning. I do not receive commissions, sell products, or manage investments.
Do you offer investment management?
No. You can implement your plan using any investment platform or advisor you choose.
Do you prepare or file taxes?
No, but tax considerations are a core part of retirement and decumulation planning.
What if I only need specific advice?
In limited cases, I can review the scope and provide a quote based on my hourly rate.
Ready to get clarity and confidence in your retirement plan?
Advice-only financial planning. No product sales. No investment management.
All services provided virtually across Canada. Plans delivered digitally.