Retirement

A salary that stops. An income that starts.

Turning a lifetime of saving into a monthly income you can plan around — with the tax, the timing, and the unexpected years accounted for.

An older couple sitting together on a garden bench, one holding an open book
Our approach

Start with the spending, not the portfolio.

Most retirement plans begin with a number: how much you have saved. We begin with a different question. What does a normal year actually cost you, and what do you want the next twenty to look like?

The portfolio is then built to fit that answer, not the other way round. And because the answer changes — a health event, a move, a grandchild, a market fall — we revisit the plan on a schedule, and whenever your circumstances do.

What we work through

Four questions, answered in writing.

You leave with a plan on paper, not a verbal reassurance.

One

How much can I spend each year?

A sustainable annual figure, modelled against a range of market outcomes — including poor ones — rather than a single optimistic average.

Two

Which account do I draw from first?

The order of withdrawals across your RRSP or RRIF, TFSA, and non-registered accounts can change the tax you pay over a lifetime. We map it out before the first withdrawal, not after.

Three

When should government benefits start?

The timing of CPP and OAS affects your income for decades. We lay the options side by side so the decision is yours, made with the numbers in front of you.

Four

What if markets fall early on?

We keep a cash reserve covering the next year or two of spending, so you are never forced to sell at a bad moment, and we agree in advance what we will and won't change.

This page is general information about how we work. It is not tax or legal advice, and no outcome is guaranteed.

Try the numbers yourself

Two planners, no sign-up.

Tool

Retirement planner

See whether your savings and contributions are on track for the income you want. It is arithmetic from the assumptions you choose — not a forecast, and not advice.

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 Tool

Goal planner

Start from a target and work backwards to what you would need to set aside each month. Same rule: your assumptions, simple arithmetic, no promises.

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Related reading

Plain writing on retirement income.

An older couple reviewing papers together at a kitchen table
Retirement · 6 min read

Turning savings into income: the questions that matter

Building a retirement pot is only half the job. Drawing an income from it — without running out — raises a different set of questions.
Three wooden bowls of grains of different sizes on linen, arranged in order
Retirement · 6 min read

The order you take money out matters

Two retirees with identical savings can end up with very different after-tax incomes, purely because of which account they draw from first.
An ice cube slowly melting on a stone surface
Investing Basics · 4 min read

The quiet cost of holding too much cash

Cash feels like the safe choice, and for short-term needs it is. Over longer periods, inflation makes it one of the riskiest places to keep money.
Begin the conversation

A single call is where every plan begins.

Introductory consultations are complimentary, confidential, and in no way obligate you to proceed.

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