Our Investment Partners
Our Insurance Partners
We analyze your complete financial picture—savings, pensions, government benefits, expenses—to show you exactly where you stand and what adjustments might be needed.
We create detailed projections showing different retirement dates and their impact on your lifestyle. You'll know exactly when retirement becomes financially feasible.
We design sustainable withdrawal strategies that balance your current needs with long-term security, ensuring you never run out of money no matter how long you live.
We calculate your projected retirement income from all sources: CPP, OAS, employer pensions, RRSP/RRIF withdrawals, TFSA funds, and non-registered investments. Then we compare it to your expected expenses to identify any gaps. You'll see clear numbers showing whether you're on track, ahead, or need to make adjustments.
Should you retire at 60? 65? 70? Each decision has massive financial implications. We model different scenarios showing how retirement timing affects your CPP benefits, OAS eligibility, pension calculations, and overall wealth. You'll understand the true cost or benefit of retiring earlier or later than planned.
How much can you safely withdraw each year without running out? We create a customized withdrawal plan that maximizes your spending power while preserving your capital. We consider your life expectancy, inflation, market volatility, required minimum withdrawals, and changing needs throughout retirement.
CPP and OAS timing decisions alone can impact your lifetime income by over $100,000. We analyze when you should start these benefits based on your health, other income sources, tax situation, and family longevity. We also ensure you avoid OAS clawbacks that can cost you thousands annually.
Living to 95 costs a lot more than living to 75—and everything will be more expensive due to inflation. We stress-test your plan against various scenarios including high inflation, poor market returns, and extended longevity. Your plan is built to withstand whatever life throws at you.
How do you balance enjoying retirement today with leaving something for your children? We help you find the right equilibrium—showing you how much you can comfortably spend while still preserving wealth for your heirs or favourite causes.
Most people guess at retirement. We calculate it. Using sophisticated planning software and decades of experience, we create detailed financial projections that account for every variable: inflation, taxes, government benefits, investment returns, healthcare costs, and life expectancy. You'll see your entire retirement mapped out year by year, so there are no surprises.
If you're 10+ years from retirement, small changes now can dramatically improve your outcome. If you're within 5 years, the window for meaningful adjustments is closing. If you're already retired, optimizing withdrawals and government benefits can add thousands to your annual income.
No matter where you are in your retirement journey, planning now gives you more control and better results.
We'll analyze your current situation, project your retirement income, and show you exactly what steps to take to retire with confidence. Walk away with clear answers to your biggest retirement questions and a detailed action plan.