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Retirement Planning for Ontario Pre-Retirees

Wondering If You're Ready To Retire?

You've spent years building your savings, contributing to your pension, and preparing for the future.

Now you're facing a different set of questions:

  • Can we afford to retire?

  • When should we start CPP?

  • How much can we safely spend?

  • Will we pay too much tax?

  • What happens if markets decline?

  • How do we make our money last?

My role is to help you answer those questions with a clear, evidence-based plan.

Retirement Readiness Plan

$2,597

A comprehensive plan designed to answer one big question:

"Are we ready to retire?"

Together we'll determine:

✅ Whether you're on track for retirement

✅ How much income you'll have

✅ How much you can safely spend

✅ How CPP, OAS, pensions, RRSPs and TFSAs fit together

✅ Ways to reduce taxes

✅ Potential risks before they become problems

Includes

  • Minimum of three meetings

  • Comprehensive review of your finances

  • Retirement projections

  • Personalized recommendations

  • Written action plan

  • Clear next steps

At the end, you'll know where you stand and what actions can improve your future.

Retirement Income & Drawdown Plan

Starting at $2,597

Designed for people who already have savings and want to know:

"What's the best way to turn our savings into retirement income?"

We'll build a personalized income strategy that helps answer:

✅ Which accounts should be used first?

✅ How much can we safely withdraw?

✅ How can we reduce taxes?

✅ How long is our money likely to last?

✅ When should we convert RRSPs to RRIFs?

✅ How do we balance spending today with protecting our future?

Includes

  • Minimum of three meetings

  • Retirement income strategy

  • Tax-efficient withdrawal planning

  • Retirement cash flow projections

  • Written recommendations

  • Implementation roadmap

The goal is simple:

Help you enjoy your retirement while keeping more of your money.

Focused Planning Solutions

$1,197

For people who need help with a specific retirement decision.

Includes

  • Two virtual meetings

  • 24-month cash flow projection

  • Two personalized briefings

  • 90 days of support

Choose from:

CPP & OAS Decision Analysis

Should you take CPP at 60, 65, or 70?

We'll compare your options and help determine what makes the most sense for your situation.

Tax Strategy

Learn ways to potentially optimize taxes before and during retirement.

Ideal if you're approaching retirement, receiving a pension, retiring early, or receiving a large payout.

Receiving A Lump Sum

Whether you've received:

  • Severance

  • An inheritance

  • Pension transfer value

  • Sale proceeds

  • Other large payment

We'll evaluate your options and help you decide how to use the money most effectively.

What Is Advice-Only Financial Planning?

Advice-only means you're paying for professional advice, not products.

What I Do

✅ Build financial plans

✅ Analyze retirement options

✅ Create retirement income strategies

✅ Review taxes, pensions and investments

✅ Provide recommendations

What Doesn't Happen

❌ Sell mutual funds

❌ Sell insurance

❌ Manage investment accounts

❌ Receive commissions

❌ Get paid based on product sales

The advice is the product.

My compensation does not change based on the recommendations I make.

Who This Is Best For

You may be a good fit if:

✅ You're within approximately 5-15 years of retirement

✅ You want professional advice but do not want ongoing investment management

✅ You have pensions, RRSPs, TFSAs or investments and want to know how they fit together

✅ You want a second opinion before making important retirement decisions

✅ You prefer objective advice without product sales

Questions We Help Answer

Can We Afford To Retire?

Understand whether your savings, pensions and government benefits can support the retirement you want.

When Should We Start CPP?

Compare the trade-offs of starting CPP at different ages and understand how the decision affects your overall retirement plan.

How Can We Reduce Taxes?

Identify opportunities to keep more of your money throughout retirement.

How Much Can We Spend?

Know what level of spending your retirement plan can realistically support.

Which Accounts Should We Use First?

Develop a strategy for drawing income from RRSPs, RRIFs, TFSAs and non-registered investments.

Does Our Mortgage Still Make Sense?

Evaluate whether paying off debt before retirement aligns with your goals.

Are We Protected If Something Goes Wrong?

Review insurance, emergency reserves and other financial risks that could impact retirement.

Have We Taken Care Of Estate Planning?

Ensure your wishes, beneficiaries, powers of attorney and estate plans are coordinated and up to date.

Retirement is too important to leave to guesswork.

A retirement plan won't predict the future.

But it can help you understand your choices, avoid costly mistakes, and move forward with greater confidence.

Book Your Complimentary Retirement Readiness Conversation

Let's determine whether you're on track and identify the decisions that matter most.