Fee-only retirement income planning for Canadians 50+. We build a tax-efficient strategy so you know exactly when to retire, how much you can spend, and when to take CPP and OAS.
If any of these describe your situation, you’re in exactly the right place.
You’ve built savings but aren’t sure if you have enough — or how to turn them into reliable income that lasts.
Retirement is here but the income strategy isn’t clear yet. You need a structured drawdown plan for RRSP, TFSA, and non-registered accounts.
Taking CPP at 60, 65, or 70 can be worth tens of thousands of dollars. You need a personalized analysis based on your actual numbers.
A defined benefit pension buyout or early retirement offer needs careful evaluation. The wrong call can cost you years of income security.
Your retirement means coordinating corporate retained earnings, salary vs. dividends, and tax-efficient extraction — not just RRSP contributions.
You’re tired of “advice” tied to product sales. You want a plan built around your goals — not a planner’s compensation structure.
A complete, written retirement income strategy — not just a conversation.
One flat fee. No ongoing charges. No product commissions. Ever.
Federal government workforce reductions mean many public servants are now facing decisions they weren’t expecting. These are time-sensitive and often irreversible.
These decisions are often irreversible. A single wrong call on your pension, severance, or CPP timing can cost tens of thousands of dollars over your lifetime. A 30-minute call costs nothing.
Book Your Free Pension Clarity Call →No cost. No obligation. 100% virtual.
A clear, straightforward path from first call to your finished plan.
We confirm your goals, review your situation, and make sure a full retirement plan is the right fit. No pressure, no sales pitch.
If you’d like to proceed, you receive a digital Letter of Engagement and invoice. Once handled, you get your questionnaire and secure document upload instructions.
You complete a detailed questionnaire and upload documents at your own pace. Everything is handled securely and digitally.
We review everything in detail, follow up with any clarifying questions, and build your complete retirement income strategy.
We walk through your complete plan on a virtual meeting. You receive a PDF plan, supporting spreadsheet, and a recorded walkthrough video — all delivered digitally.
Every plan includes a 3-month retainer period for implementation questions and clarifications on your recommendations.
Yes. All meetings are virtual and we work with clients nationwide. You don’t need to be in Ottawa.
Yes. We provide advice-only financial planning. We do not receive commissions, sell products, or manage investments — ever.
No. You implement your plan using any platform or advisor you choose. We help you build the strategy, not manage your portfolio.
No, but tax minimization is central to every retirement plan we build. This work often complements what your accountant is already doing.
In some cases we can review the scope and provide a quote based on an hourly rate. Book a free call to discuss.
Typically 3–5 weeks from signed engagement to plan delivery, depending on how quickly questionnaire and documents are returned.
Book a free 30-minute call. We’ll look at your situation and tell you exactly where you stand, no cost, no pressure, no sales pitch.
Book Your Free 30-Min Clarity CallNo cost. No obligation. No sales pitch. Fully virtual.