Advice
We provide fee-only & advice-only retirement planning that is completely unbiased. There are no products, no commissions, just advice. If you are within 10-years of retirement then you need a retirement plan.
Maximize Retirement Spending
“How much can I spend in retirement? Can I spend more in early retirement?” We help you maximize your retirement spending by creating spending phases in early, mid, and late retirement. We will create clear “spending guardrails” based on investment returns. We will help you spend more in the early years but avoid running out of money in the later years. This could help you spend $10,000’s more in retirement. Without a plan, you may unnecessarily limit your retirement spending.
Retirement Decumulation Planning
“Which account do I draw down first? How much should I withdraw?” We help you create an intelligent retirement decumulation plan that minimizes income tax and maximizes spending. We will provide you with specific withdrawal amounts for each year of retirement and for each account. Feel confident about your retirement plan with a detailed year-by-year roadmap.
When To Start Canada Pension Plan (CPP)
“When should I start my CPP benefits?” We help you decide when to start your CPP benefits given your unique situation. There are pros and cons to each option and we will help you determine which option is best for you.
When To Start Old Age Security (OAS)
“When should I start my OAS benefits? Will I trigger OAS clawbacks?” We help you decide when to start your OAS benefits and determine if OAS clawbacks will be a concern in the future and how to avoid them.
Maximize Guaranteed Income Supplement (GIS)
“Will I qualify for GIS? How can I avoid GIS clawbacks of 50% to 75%?” We will help you understand the Guaranteed Income Supplement and if you qualify, even if just for a few years. Nearly 1 in 3 retirees will qualify for GIS and this is an important consideration in many retirement plans. GIS clawbacks can be as high as $10,000+ per year. We help you avoid these clawbacks as much as possible, potentially adding $10,000’s to your retirement.
Investment Planning
“Am I paying too much in fees? Is my portfolio set up for retirement?” Get a second opinion on your investment plan. We build an investment plan that reduces fees, minimizes taxes, helps you stay the course during a downturn, and lets you reach your retirement goals without taking on too much risk.
Minimizing Taxes
“What retirement tax credits am I eligible for? Am I leaving money on the table?” We help you minimize taxes and maximize government benefits, both now and in the future. We help you work smarter, not harder, so that you reach your goals in the easiest way possible. We help you take advantage of tax credits both now and in retirement, and for couples, we plan income splitting to help keep your household tax rate as low as possible.
Peace Of Mind
“When can I retire? Will I run out of money in retirement?” We will stress test your retirement plan using historical rates of stock returns, bond returns, and inflation rates to help you avoid running out of money in late retirement. Get the peace of mind knowing that your retirement plan helps you make the most of retirement spending while also providing security into late retirement.
Maximize Retirement Spending
“How much can I spend in retirement? Can I spend more in early retirement?”
We help you maximize your retirement spending by creating spending phases in early, mid, and late retirement. We will create clear “spending guardrails” based on investment returns. We will help you spend more in the early years but avoid running out of money in the later years. This could help you spend $10,000’s more in retirement. Without a plan, you may unnecessarily limit your retirement spending.
Retirement Decumulation Planning
“Which account do I draw down first? How much should I withdraw?”
We help you create an intelligent retirement decumulation plan that minimizes income tax and maximizes spending. We will provide you with specific withdrawal amounts for each year of retirement and for each account. Feel confident about your retirement plan with a detailed year-by-year roadmap.
When To Start Canada Pension Plan (CPP)
“When should I start my CPP benefits?”
We help you decide when to start your CPP benefits given your unique situation. There are pros and cons to each option and we will help you determine which option is best for you.
When To Start Old Age Security (OAS)
“When should I start my OAS benefits? Will I trigger OAS clawbacks?”
We help you decide when to start your OAS benefits and determine if OAS clawbacks will be a concern in the future and how to avoid them.
Maximize Guaranteed Income Supplement (GIS)
“Will I qualify for GIS? How can I avoid GIS clawbacks of 50% to 75%?”
We will help you understand the Guaranteed Income Supplement and if you qualify, even if just for a few years. Nearly 1 in 3 retirees will qualify for GIS and this is an important consideration in many retirement plans. GIS clawbacks can be as high as $10,000+ per year. We help you avoid these clawbacks as much as possible, potentially adding $10,000’s to your retirement.
Investment Planning
“Am I paying too much in fees? Is my portfolio set up for retirement?”
Get a second opinion on your investment plan. We build an investment plan that reduces fees, minimizes taxes, helps you stay the course during a downturn, and lets you reach your retirement goals without taking on too much risk.
Minimizing Taxes
“What retirement tax credits am I eligible for? Am I leaving money on the table?”
We help you minimize taxes and maximize government benefits, both now and in the future. We help you work smarter, not harder, so that you reach your goals in the easiest way possible. We help you take advantage of tax credits both now and in retirement, and for couples, we plan income splitting to help keep your household tax rate as low as possible.
Peace Of Mind
“When can I retire? Will I run out of money in retirement?”
We will stress test your retirement plan using historical rates of stock returns, bond returns, and inflation rates to help you avoid running out of money in late retirement. Get the peace of mind knowing that your retirement plan helps you make the most of retirement spending while also providing security into late retirement.