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Retirement Planning
Two different jobs: growing the pool while you earn, and drawing from it without running out or overpaying tax. We plan both, in one document.
Growth & Wealth
The accumulation years. We set a contribution rhythm you will actually keep, use accounts in the right order, and keep the mix matched to how far away retirement is.
- Target income modelled in today's dollars
- RRSP / TFSA / non-registered sequencing
- Automatic monthly contributions
- Annual rebalancing and progress review
Retirement Transitions
The drawdown years. Which account to touch first, when to convert, when to start CPP and OAS — small decisions here are worth tens of thousands over a retirement.
- RRSP to RRIF conversion and minimum withdrawals
- CPP and OAS timing, and the OAS clawback
- Annuities for the base budget
- Pension commuted-value and severance timing
