Question 1

How much money do I need to retire comfortably in Canada?

Accepted Answer

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.

Question 2

When should I start drawing from my RRSP or convert it to a RRIF?

Accepted Answer

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.

Question 3

What’s the best way to take income in retirement to pay less tax?

Accepted Answer

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.

Question 4

Should I take CPP early or wait until age 70?

Accepted Answer

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.

Question 5

How can I reduce taxes in retirement?

Accepted Answer

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.

Question 6

Is it better to invest inside an RRSP, TFSA, or non-registered account?

Accepted Answer

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.

Question 7

What’s the safest way to invest my money after I retire?

Accepted Answer

“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.

Question 8

How can I make sure I don’t run out of money in retirement?

Accepted Answer

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.

Question 9

Do I still need life insurance after I retire?

Accepted Answer

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.

Question 10

What’s the best way to leave money to my kids or grandkids without a big tax bill?

Accepted Answer

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.

Inc.

LET'S CONNECT YOU WITH AN ADVISOR

WHAT CAN YOU EXPECT?

Discovery

Start with a short questionnaire. If it looks like a good fit, we’ll schedule an introductory conversation or connect you with the right advisor. No pressure, just clarity.

FREQUENTLY ASKED QUESTIONS

How much money do I need to retire comfortably in Canada?

When should I start drawing from my RRSP or convert it to a RRIF?

What’s the best way to take income in retirement to pay less tax?

Should I take CPP early or wait until age 70?

How can I reduce taxes in retirement?

Is it better to invest inside an RRSP, TFSA, or non-registered account?

What’s the safest way to invest my money after I retire?

How can I make sure I don’t run out of money in retirement?

Do I still need life insurance after I retire?

What’s the best way to leave money to my kids or grandkids without a big tax bill?

LET'S CONNECT YOU WITH AN ADVISOR

WHAT CAN YOU EXPECT?

Discovery

Start with a short questionnaire. If it looks like a good fit, we’ll schedule an introductory conversation or connect you with the right advisor. No pressure, just clarity.

​

FREQUENTLY ASKED QUESTIONS

How much money do I need to retire comfortably in Canada?

When should I start drawing from my RRSP or convert it to a RRIF?

What’s the best way to take income in retirement to pay less tax?

Should I take CPP early or wait until age 70?

How can I reduce taxes in retirement?

Is it better to invest inside an RRSP, TFSA, or non-registered account?

What’s the safest way to invest my money after I retire?

How can I make sure I don’t run out of money in retirement?

Do I still need life insurance after I retire?

What’s the best way to leave money to my kids or grandkids without a big tax bill?