Retirement planning isn’t just saving — it’s the order you draw from accounts, when to take CPP and OAS, and minimizing tax over your lifetime.
The order you draw from RRSP, TFSA, and non-registered dramatically affects your lifetime tax bill. I model this for you.
Taking CPP at 60 vs 70 can mean a 60%+ difference in monthly income. The right time depends on your health and other income sources.
Seg fund guaranteed withdrawal benefit riders can create income you can never outlive — without annuitizing your savings.
A retirement plan should consider what you leave behind. I integrate insurance and seg fund solutions to maximize inheritance.
If you’re incorporated, retirement includes extracting retained earnings tax-efficiently — coordinated with your accountant.
A retirement plan isn’t a one-time event. I review annually to adjust for life changes and new tax rules.