Advice-Only for Pre-Retirees
Do You Have Enough, and How Do You Draw Income?
Flat-fee retirement readiness and income drawdown plans for pre-retirees and dual-income, no-kids couples. CFP® professional. No products sold, no commissions.
Retirement Readiness Plan $2597.00
Comprehensive Drawdown Plan from $2597.00
Modular planning $1197.00
*Additional charges may apply due to complexity. Your pricing will be confirmed in the letter of engagement.
Book your free consultation today!
What do we help with?
By your 40s, 50s, or early 60s, the issue usually is not whether you have started saving. The real issue is whether your pensions, investments, CPP, OAS, taxes, and withdrawal plan work together once paycheques stop.
What does advice-only(flat fee) mean?
Advice-only financial planning is where you pay for advice, not products.
You pay a flat fee, an hourly rate, or a retainer. They earn nothing from product sales, commissions, or referrals.
What they do (and don't do)
They give you a financial plan, analysis, and recommendations
They do not sell you investment products, insurance, or manage your money
Implementation is up to you. You invest and buy products on your own, typically through other advisors or institutions.
Why is it different? Traditional advisors often earn commissions when they sell you mutual funds, insurance policies, or other products. They may be incentivized to recommend what pays them best, not what's best for you. Advice-only planners are paid for advice.
Who it's good for
DIY investors who want professional guidance but manage their own portfolio
People who want a second opinion on their financial situation
Pre-retirees
Dual income with no kids (D.I.N.K.s)
Questions we answer before retirement?
Retirement readiness snapshot
Where you stand today vs. where you need to be: projected savings at retirement, estimated income gap or surplus, and how many years your current assets are likely to last.
CPP & OAS optimization
Modeling the financial impact of taking CPP at 60 vs. 65 vs. 70.
RRSP / TFSA / pension inventory
A clear picture of all registered and non-registered accounts, contribution room remaining, and whether you're using each account type in the right order and for the right purpose.
Drawdown sequencing
Which accounts to tap first in retirement, and in what order, to minimize lifetime taxes and maximize how long your money lasts. This is one of the most underestimated planning levers available.
Tax efficiency in retirement
Income-splitting opportunities (spousal RRSPs, pension splitting), RRSP-to-RRIF conversion timing, OAS clawback risk if income is high, and how to structure withdrawals to stay in lower tax brackets.
Debt & mortgage review
Whether carrying a mortgage into retirement makes sense, and how it fits into your cash flow picture post-employment.
Insurance & risk gaps
Life insurance adequacy, long-term care exposure, and whether your current coverage matches your actual retirement scenario (not the one from 15 years ago when you first bought it).
Spousal / dual-income coordination
For couples, modeling combined retirement income from both partners' assets and pensions together, not as two separate plans sitting side by side.