That depends on your lifestyle, spending goals, and where you live — but for most Canadians, a retirement income of 60–70% of pre-retirement earnings provides comfort. We help you calculate your exact “retirement number” based on your personal goals, not just a rule of thumb.

You must convert your RRSP to a RRIF by December 31 of the year you turn 71, but the right time depends on your tax bracket, other income sources, and retirement timeline. Our planning process models different scenarios to find the most tax-efficient timing for your RRIF withdrawals.

The key is tax-efficient income layering — drawing from different accounts (RRSP, TFSA, non-registered) in the right order. We build customized withdrawal strategies that balance your income needs with long-term tax savings.

Taking CPP early gives you income sooner, but waiting increases your payments by up to 42%. We analyze your health, life expectancy, and other income sources to determine the option that maximizes your lifetime benefits.

There are several strategies — income splitting, strategic RRIF withdrawals, and using your TFSA effectively. Our goal is to minimize taxes over your entire retirement, not just in one year.

Each account has different tax advantages. RRSPs work best when your income will be lower in retirement, while TFSAs offer flexibility and tax-free growth. We help you find the right mix based on your goals and tax situation.

“Safe” doesn’t always mean avoiding risk — it means balancing growth and stability. We design portfolios that provide steady income while protecting your wealth through diversification and evidence-based investing.

We use detailed cash flow projections and stress testing to plan for longevity, inflation, and market changes. The goal is simple: create a reliable income that lasts as long as you do.

It depends on your goals. If you want to leave a tax-efficient legacy or cover estate taxes, life insurance can still make sense. We review your full financial picture to see if keeping or adjusting coverage fits your plan.

Proper estate planning and beneficiary designations can reduce taxes on your final return. We help you structure inheritances — through trusts, charitable giving, or tax-efficient asset transfers — to maximize what your family receives.