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Retirement Planning

Retire on your own terms.

Plan ahead with a structured approach to your retirement goals, built for incorporated business owners and professionals.

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Retirement planning service image

No employer pension? You need a plan.

Many incorporated professionals and business owners don't have a workplace pension to lean on. Your retirement is built from what you set up, which makes planning even more important.

We help you see the full picture and shape a strategy around the future you want.

Where retirement income can come from

Government benefits

Programs such as the Canada Pension Plan and Old Age Security, and when it makes sense to start them.

Personal savings

Registered and non-registered accounts you hold in your own name.

Your corporation

Savings held in your company, and options such as an Individual Pension Plan.

Questions we help you work through

  1. When would you like to stop working, or slow down?
  2. What lifestyle do you want your retirement to support?
  3. Which sources will you draw on, and in what order?
  4. How might taxes shape the way you take your income?
  5. What happens if your plans change?

How it works

  1. 01

    Understand

    We learn your retirement goals and where you stand today.

  2. 02

    Plan

    We build a personalized retirement strategy around them.

  3. 03

    Implement

    We help put the appropriate strategies into action.

  4. 04

    Review

    Your plan adapts as your goals and circumstances change.

Common questions

When should I start planning for retirement?

Starting earlier gives you more room to make choices, but planning is worthwhile at any stage.

Is an RRSP enough for an incorporated professional?

An RRSP is one tool among several. Whether it fits depends on your situation, and we can look at it alongside your accountant.

Does the timing of CPP and OAS matter?

It can. When you start these benefits may affect what you receive, so we look at timing in the context of your whole plan.

What is an Individual Pension Plan?

An Individual Pension Plan (IPP) is a retirement plan funded by your corporation. It is one option some incorporated owners consider, and it isn't right for everyone. See our IPP page to learn more.

Can results be guaranteed?

No. Investments carry risk and outcomes can't be guaranteed. Our role is to help you make informed decisions that fit your goals.

Interested in this service?

Tell us a little about yourself and we'll be in touch about the best next step.

Please don't include sensitive financial details in this form. Content on this page is general information and not personal financial advice.