The Retirement Readiness System

Where Retirement Clarity Starts.

Fee-For-Service Only Retirement Planning

What the Retirement Readiness System Includes.

Household Plan Includes:

Book A Call

Discovery & Foundation

Review and integration of personal and registered financial information.
Clear planning roadmap and assumptions review.

Cash Flow & Income Planning

Customized cash-flow modelling, including a net-worth buffer analysis.
Sustainable after-tax retirement income projections.
Go-Go / Slow-Go / No-Go retirement phase planning.
Survivor income and continuity planning (where applicable).

Scenario & Risk Analysis

Multiple financial scenario iterations to test outcomes.
Variable return and inflation stress-testing.
Resilience testing using historical and alternative market assumptions.

Retirement Income & Government Benefits

Optimized retirement income and withdrawal strategies across accounts.
CPP, OAS, and government pension optimization.

Investment Strategy

Investment recommendations, including asset mix, security mix, and Investment Policy Statement guidance.
Time-horizon-based allocation for short-, medium-, and long-term investment needs.

Legacy & Estate Considerations

High-level legacy and estate planning guidance.

Corporate or Rental Retirement Plan:

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Everything in the Household Retirement Plan, plus...

Integration of corporate and holding company structures into the retirement plan.
Tax-efficient strategies to extract and deploy corporate assets.
Coordination of personal, corporate, and rental cash flows.
Advanced tax planning around dividends, salary, and retained earnings.
Rental property income, expense, and disposition modelling.
Scenario analysis comparing keep vs. sell decisions for rental properties.
Stress-testing the plan for changes in rental income, vacancies, and market conditions.
Enhanced legacy and estate planning considerations for corporate and real-estate assets.

Ongoing Full-Service
Wealth Management

Transparency. Precision. Partnership.

Before:

Fees aren't transparent

No structured retirement plan in place

Investments aren't connected to the retirement plan

After:

Clear, transparent fees with no suprises

Comprehensive and customized retirement planning

Your investment strategy aligned with your retirement plan

Key Points of Interest:

Service Fees: 0.5-1% depending on complexity and assets under management

Account Minimum: $500,000 CAD

Important Note: Our Fee-For-Service retirement planning is a low-commitment way to experience the value of our advice and see how our team works before moving any assets. If you choose to transition to full-service Wealth Management, we waive 50% of the Fee-For-Service Only planning fee.

Ongoing planning, guidance, and accountability.

Goals Discussion and updates
Maintain updated financial statements
Ongoing Gap/Opportunity Analysis
Strategy Development
Implementation Assistance
Encouragement & Accountability
Regular Reviews and Progress Reports
Plan Updates and Refinements

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Protect your family and your legacy.

Ensure that Will(s), POA(s) and Healthcare directive(s) are up to date and reflect your current personal and financial position
Direction on estate planning to minimize tax and ensure the smooth administration of your estate
Assist clients in implementing legacy planning objectives through their estate plan
Assist clients in communicating their estate planning priorities and intentions with family

Protect your plan from surprises.

Planning that helps to protect what you have built
Identify potential vulnerabilities (property, Life, Disability, Health) and outline solutions
Ensure that in a first-to-die scenario that the survivor can maintain their lifestyle
Investigate if the use of Life Insurance is appropriate to create tax-free capital, to create liquidity to pay taxes, or create a legacy

The Retirement Readiness System

Where Retirement Clarity Starts.

Fee-For-Service Only Retirement Planning

What the Retirement Readiness System Includes.

Household Plan Includes:

Corporate or Rental Retirement Plan:

Ongoing Full-Service
Wealth Management

Transparency. Precision. Partnership.

Before:

Fees aren't transparent

No structured retirement plan in place

Investments aren't connected to the retirement plan

After:

Clear, transparent fees with no suprises

Comprehensive and customized retirement planning

Your investment strategy aligned with your retirement plan

Key Points of Interest:

Service Fees: 0.5-1% depending on complexity and assets under management

Account Minimum: $500,000 CAD

Important Note: Our Fee-For-Service retirement planning is a low-commitment way to experience the value of our advice and see how our team works before moving any assets. If you choose to transition to full-service Wealth Management, we waive 50% of the Fee-For-Service Only planning fee.

Ongoing planning, guidance, and accountability.

Smooth, reliable retirement paycheques.

Smarter strategies to reduce taxes.

Investments aligned with your plan.

Protect your family and your legacy.

Protect your plan from surprises.

Stronger family alignment long-term.

Legal Information

The Retirement Readiness System

Where Retirement Clarity Starts.

Fee-For-Service Only Retirement Planning

What the Retirement Readiness System Includes.

Household Plan Includes:

Ongoing Full-Service Wealth Management

Transparency. Precision. Partnership.

Before:

Fees aren't transparent

No structured retirement plan in place

Investments aren't connected to the retirement plan

After:

Clear, transparent fees with no suprises

Comprehensive and customized retirement planning

Your investment strategy aligned with your retirement plan

Key Points of Interest:

Service Fees: 0.5-1% depending on complexity and assets under management​​

Account Minimum: $500,000 CAD

Important Note: Our Fee-For-Service retirement planning is a low-commitment way to experience the value of our advice and see how our team works before moving any assets. If you choose to transition to full-service Wealth Management, we waive 50% of the Fee-For-Service Only planning fee.

Ongoing planning, guidance, and accountability.

Legal Information

Ongoing Full-Service
Wealth Management

Service Fees: 0.5-1% depending on complexity and assets under management