Retire with a plan, not guesswork.
Know how much you can safely spend, when to take CPP and OAS, and which accounts to draw from first, so you can enjoy the retirement you worked for without second-guessing it.
Years helping Canadians retire with confidence
Customized retirement plans delivered
Managed by our Winnipeg office for families across Canada
Multiple designated professionals on the planning team
What's at stake
You get one run at retirement, and guessing can be expensive.
You've spent decades building your savings. You shouldn't lie awake wondering whether it's enough, whether you're paying more tax than you need to, or what happens if the market drops the year you stop working.
of Canadians heading into retirement don't have a plan for their money.
of Canadians fear they'll outlive their savings.
We believe retirement should be lived by design, not by default.
Source: CPP Investments 2025 Retirement Survey (Innovative Research Group, August–September 2025)
The questions a plan answers.
How much can I actually spend without running out?
Your safe spending number: how much you can spend for life, with room built in for travel, renovations, and the goals that matter to you.
What happens if the market drops right after I retire?
A plan stress-tested against poor returns and poor timing of returns, so a bad market early in retirement doesn't sink you.
Which accounts do I draw from first to pay the least tax?
Tax-efficient withdrawals across your accounts: the right order to draw from to lower lifetime tax.
When should I start CPP and OAS?
A CPP and OAS start date the numbers support, rather than a rule of thumb.
Should I take my pension or the commuted value?
A side-by-side comparison of lifetime income, survivor benefits, tax and flexibility, so you make a once-only decision with the full picture.
How do I plan for healthcare and long-term care?
A healthcare and long-term care plan, with costs mapped out before you need them.
How do I leave more to my family and less to the CRA?
An estate strategy: beneficiary, will and tax planning coordinated so more of what you built reaches the people you choose.
Your guide
We know this is the biggest financial transition you'll ever make.
Moving from saving to spending changes many of the rules you have followed your whole working life, and most people make that move only once. We have made this transition more than a thousand times across thirty years. That experience is what lets us hand Canadian families a clear, time-tested plan.
Testimonials
Three decades of relationships.
As a young professional I entrusted my investments and future retirement goals to Shaun. Thirty years later I retired at 61. I credit Shaun and his team with the expert coaching and advice to help make that happen. I appreciate Shaun’s steady, interactive, informative and proactive approach. He stays on top of market conditions and trends and always provides clear and well-reasoned investment options and recommendations. We have navigated together the highs and lows of bull and bear markets. It’s been a great experience with Shaun and his excellent team.
Lionel & Jane MartensShaun Humphries has been our investment advisor since 1994. Over the last 30 years, we have formed a long-term relationship built on trust and friendship. There are several reasons why we have remained with Shaun and his staff at Assante, which include the following: education, providing a plan and keeping it updated, customized portfolio recommendations, and tax planning linked to portfolio strategies. Thank you for all of your assistance, Shaun and Staff!
Myron & Nesta BeckerWe couldn’t be happier with the level of service and attention we receive from the Humphries Wealth Group. Shaun and the team are always very responsive, ready to listen, and great at explaining everything in a professional yet easy-to-understand and engaging manner. Best of all, Shaun and the team take time to work closely with us to develop a comprehensive plan that specifically suits our situation and future needs.
Kurt & Pamela MartinsonWe had a great experience working with Shaun and his team. He is knowledgeable, patient and supportive. He took the time to listen to all our questions. We appreciate his professionalism and reliable guidance. Highly recommend.
We had watched numerous retirement planning videos and liked what we saw from Shaun. We reached out and received our free gap analysis. After that we decided to get the full analysis with several different scenarios. After all was said and done we got peace of mind and the knowledge that our finances should easily take us through our retirement. My husband and I would recommend Shaun and his team if you are looking for retirement planning.
For my wife and I, planning our retirement is an exciting process. However, there is a lot of uncertainty going forward so we sought professional advice to help address some important questions for us: what is our safe withdrawal rate based on our investment portfolio which includes corporate assets, where should the money be drawn from and in what order, and how can we optimize our retirement income strategy as a whole. After considering different advisors, we chose Shaun and his team at Humphries Wealth Group and we could not be happier. The process was friendly, full of great advice and included many modeling iterations to help address all our questions. In particular, we very much appreciated their excellent communication skills and technically sound approach to deliver our retirement roadmap.
How we start
Three steps to a retirement you can stop worrying about.
Let’s talk about your retirement
Book a complimentary 30-minute call to share your goals, ask questions, and explore how we can help. Together we’ll determine whether our retirement planning service is the right fit for you. If we both feel comfortable moving forward, we’ll schedule your Retirement Gap Analysis call.
Find the gaps. Explore the possibilities.
Before your next call, complete our Retirement Readiness Quiz to receive your readiness score and identify areas that may need attention. Together we’ll review your results and show you how our planning process can address those gaps, giving you a clearer picture of where you stand and what to do next.
Build your plan. Move forward with confidence.
If you decide to proceed, we’ll provide a clear outline of our services and fees in a letter of engagement. Then we’ll build your personalized retirement plan around your goals, helping you understand your options, make confident decisions, and take practical steps toward the retirement you want.
Ready to take the first step?
You don’t need all the answers to get started. Bring your questions, and let’s talk about what’s next.
Book my complimentary 30-minute callTwo ways to work with us
Planning first, by design. Fee-for-service is a low-commitment way to experience our advice before moving a dollar. If you later choose full-service wealth management, we waive the second half of the planning fee.
Start here
Fee-For-Service Only Retirement Planning
A complete, written retirement plan for a flat fee. No assets move, and no commitment beyond the engagement.
- Cash-flow modelling and a safe spending number
- Withdrawal sequencing across your accounts
- CPP and OAS timing your numbers support
- Stress-tested against poor returns and poor timing
See everything in the Retirement Readiness System
If and when it fits
Ongoing Full-Service Wealth Management
For families who want the plan implemented and maintained, with investments, tax, estate and income administration under one roof.
- Ongoing planning, reviews and progress reporting
- Retirement income administration and tax planning
- Estate, risk management and family governance
Explore wealth management
Is this for you?
We’re a good fit if…
You’re within 10 years of retirement, or retired in the last few years
You want a written plan rather than a product pitch
You have a pension decision, a corporation, or several account types to coordinate
Already working with an advisor? A second-opinion plan is one of the most common ways people start with us.
Common questions
What does a retirement plan cost?
$3,000 plus tax. Where there is extra complexity, such as rental properties or a corporation, we provide a customized quote. If you later move to full-service management, we waive the second half of the planning fee.
Do I have to move my investments?
No. Fee-for-service planning doesn’t require any investments to be moved.
Is there a minimum?
Planning has no minimum. Full-service wealth management has a household minimum of $500,000.
What happens on the first call?
Thirty minutes by phone or video. Bring the question you’ve been avoiding, and we’ll tell you straight whether we can help.
Ready when you are
Get answers in 30 minutes.
A free, no-obligation retirement readiness call. Bring the question you've been avoiding, and we'll tell you straight whether we can help.
Not prepared to talk yet?
Start somewhere lower-commitment.