Your Retirement Assessment Results

Based on your responses, professional retirement planning could meaningfully improve your long-term outcome — particularly around income sustainability, tax efficiency, and clarity around key decisions.
This doesn’t mean you need to move forward — it means there’s value in reviewing your situation properly before making irreversible retirement decisions.The next step is a free 30-minute discovery call to confirm whether a full plan makes sense for your situation.

This assessment and planning process were designed by a Certified Financial Planner® (CFP®) with 14+ years of experience in the Canadian financial industry.After working inside banks, large institutions, and independent firms, it became clear that many Canadians approach retirement without coordinated tax, income, and decumulation planning — not because they’ve done anything wrong, but because the system rarely focuses on outcomes.Providential Financial Planning was created to offer independent, fee-only retirement advice — with no products, no commissions, and no incentives tied to asset management.

What This Means for You

Many Canadians reach retirement with solid savings, yet still lose tens or even hundreds of thousands of dollars due to:• Inefficient withdrawal sequencing
• Poor RRSP/RRIF timing
• Uncoordinated CPP and OAS decisions
• Unintended tax exposure later in retirement or at deathA structured, tax-aware plan helps ensure your money works for you — not against you.

What the Free Discovery Call Covers

The complimentary 30-minute call is designed to determine whether formal planning makes sense for you.We’ll discuss:
• Your retirement goals and concerns
• Key planning gaps or risks
• Whether a full retirement plan would add meaningful valueThere’s no obligation — the goal is clarity, not commitment.

Planning Fees (If You Decide to Proceed)

1- 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

2- 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

3- 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.

How the Planning Process Works

1. Free discovery call2. Questionnaire and secure document upload3. Detailed analysis and plan construction4. Plan presentation and walkthrough5. Three months of post-presentation supportThe process is focused, practical, and designed to respect your time.

Next Step

• Book My Free Discovery Call

Takes 30 minutes · No obligation · Clear next steps if it makes sense

Advice-only financial planning. No product sales. No investment management.
All services provided virtually across Canada. Plans delivered digitally.