Based on your responses, Professional Retirement Planning may materially improve your outcome.
Many Canadians at your stage of retirement unknowingly face avoidable tax drag, sub-optimal withdrawal sequencing, and irreversible CPP/OAS timing decisions.These decisions often feel manageable in isolation — but together they can materially affect your lifetime after-tax income.
This is not a sales pitch. It’s an invitation to clarity.
What This Typically Means
For Canadians approaching or already in retirement, this often shows up as:• Retirement income sources that aren’t coordinated tax-efficiently
• CPP and OAS decisions that can’t be reversed once started
• Withdrawal strategies that unintentionally accelerate tax and OAS clawbacks
• A lack of clarity around sustainable spending across retirement stagesProfessional planning doesn’t create certainty — but it helps you avoid costly, irreversible mistakes.
Services & Pricing
I offer flat-fee, advice-only retirement and decumulation planning — no products, no commissions, and no asset management.
Individual Retirement & Decumulation Plan — $2,500 CAD + tax
A comprehensive retirement and decumulation plan tailored to your goals, pensions, tax situation, and desired lifestyle.• Retirement stage planning (early, mid, and late retirement)
• Lifestyle and spending projections across retirement stages
• Personalized withdrawal strategy across all account types
• CPP & OAS timing optimization
• Tax-efficient income planning
• Government benefit optimization
Couple / Household Retirement & Decumulation Plan — $3,000 CAD + tax
Integrated planning for couples designed to reduce combined lifetime taxes and maximize after-tax retirement income.• Coordinated withdrawal strategy across all account types for both spouses
• Lifestyle and spending projections for early, mid, and late retirement
• Pension income splitting optimization
• Combined tax planning
• CPP & OAS timing strategy for each spouse
• Survivor scenario analysis
Corporate Retirement Planning — $4,000 CAD + tax
For business owners seeking a coordinated personal-corporate retirement income strategy for one corporation.Important:
• The fee applies to one corporation.
• Additional corporations, holding companies, or multi-entity structures are not included.
• I do not provide planning for rental-property corporations or complex corporate tax structuring.
What You’ll Walk Away With
Every plan is designed to give you clarity, confidence, and a clear, actionable path forward — not just projections, but decisions you can trust.Your plan includes:
Income & Tax Clarity
• Detailed retirement income projections
• Coordinated, tax-efficient withdrawal strategy
• Government benefit optimization (CPP, OAS, pension income splitting)
• Clear year-by-year income roadmap
Risk & Scenario Testing
• Stress testing of your retirement plan
Clear Deliverables & Guidance
• Digital retirement plan (PDF) and supporting spreadsheet
• A walkthrough video explaining your results
• Personalized recommendations and next-step actions
Independent, Advice-Only Planning
• 100% advice-only planning — no investments, no product sales, no commissions
How the Process Works
The process is structured, transparent, and designed to give you clarity without overwhelm.
1. Discovery Call (30 minutes)
We confirm fit, scope, and whether comprehensive planning makes sense for your situation.
2. Engagement & Secure Data Collection
You receive a digital engagement letter and a secure questionnaire to upload documents.
3. Analysis & Strategy Development
Detailed retirement income modeling, tax planning, and scenario analysis.
4. Plan Presentation & Clarification
Clear recommendations, next steps, and follow-up support.
If you’d like to understand what these findings mean for your situation:
No obligation. We’ll confirm fit before any planning work begins.
Advice-only financial planning. No product sales. No investment management.
All services provided virtually across Canada. Plans delivered digitally.