Ontario Retirees Hire Us When They Are Done Guessing About Taxes in Retirement
We help individuals with $250K+ in investable assets combine investment management with tax-efficient withdrawal strategies.
We help individuals with $250K+ in investable assets combine investment management with tax-efficient withdrawal strategies.
Minimize taxes by strategically withdrawing from investment accounts.
Needs-appropriate portfolio management that balances growth and income.
We create sustainable withdrawal plans that last throughout your lifetime.
Protect your wealth from unexpected healthcare costs, long-term care needs, and market volatility. We review your insurance coverage to identify gaps.
Maximize the wealth you pass to beneficiaries or charities. We coordinate with your accountant and lawyer to ensure your estate plan is tax-efficient.
Regular portfolio reviews and strategy adjustments as tax laws, markets, and your life circumstances change. We're your family's partner throughout retirement.
We had accumulated more than $750,000 between our RRSPs, TFSAs and non-registered investments, but we had no clear idea how to turn those savings into retirement income. The planning process showed us how to coordinate our withdrawals with CPP and OAS, manage taxes and determine how much we could realistically spend each year. We finally have a retirement income strategy that makes sense for our situation in Ontario.
We were already comfortable managing our investments ourselves, so we weren't looking for someone simply to pick investments. What we needed was a complete retirement strategy. The plan brought together our RRSP, TFSA, non-registered investments, CPP, OAS, taxes and estate objectives. We came away understanding not just what we owned, but how everything should work together throughout retirement.
We had accumulated over $1 million in retirement and investment accounts, but we were concerned about withdrawing too much from our RRSPs and creating unnecessary taxes. The planning process helped us understand when to draw from our RRSP/RRIF, TFSA and non-registered accounts and how those decisions could affect our taxable income, CPP and OAS. We now have a much clearer tax-efficient withdrawal strategy.
Both of us were 58, we had more than $800,000 invested between RRSP, LIRA and TFSA but still weren't sure whether we could afford to stop working. Rather than giving us a generic retirement number, the analysis looked at our actual spending, investments, government benefits, and taxes. Seeing different scenarios helped us understand what was financially realistic and what we needed to change before retiring.
We help individuals with $250K+ in investable assets combine investment management with tax-efficient withdrawal strategies.
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