Retire with clarity
and peace of mind
When can I retire? Will my money last? Am I making the right choices? Turn your unknowns into a clear, personalized retirement plan.
Common retirement questions
We'll work through your questions together, so you understand your options and feel confident about your next chapter.
Retirement planning process
We want you to take away more than just a document. Your plan will not only find optimized retirement strategies; it will give you clarity and insight as to how it all comes together.
Understanding your current position
We get to know your current lifestyle and financial positions, and we discuss your goals and concerns. We build this base scenario and any alternate scenarios (like retiring early or selling a property) into the plan.
We consider all retirement variables
Decisions on account withdrawal order, CPP and OAS timing and taxable income are things we optimize. Randomness like markets, inflation and longevity are what we plan around.
We run millions of simulations
Each simulation evaluates decisions and tests against randomness. This tells us which actions give you the best chance of meeting your retirement spending goals.
You get clear recommendations and actions, with supporting rationale
Every recommendation comes with clear reasoning, so you understand your plan and can act on it with confidence.
Our pricing
Transparent pricing and unbiased advice in a retirement plan that will save you money and help you sleep better at night.
- Written action plan and supporting data
- Optimized government benefits (CPP, OAS, GIS)
- Optimized account withdrawal and taxable income strategies
- Full exaplanations of retirement planning decisions
- Stress-tested plan through millions of simulations
- Alternate scenario analysis
Retirement planning FAQs
Our process begins with a no-cost 60-minute vitrual meeting to get to know each other. You are under no obligations and can end this meeting at any time.
To proceed with the retirement plan, we'll request 10% of the total cost as a non-refundable deposit. Once the deposit is paid and we have all the information we need, we'll prepare your retirement plan. Upon completion, it will be available in our online client portal to view any time. We will then request the remainder of the payment.
We'll support your understanding of the plan and any follow up questions in an additional virtual meeting or through email.
That depends on your situation. This retirement plan's value comes from an in-depth analysis of many connected decisions. Here are some situations where complex decisions may arise. Getting these decisions right can cover the cost of the retirement plan many times over:
If none of these apply to you, then you may get better value from a few hours of our hourly-rate planning instead
No. We recommend renewing the plan only if your life has changed significantly since your last retirement plan. This may happen in two ways: a life event, such as a change in health, marital status, or a death in the family. Or, small changes can add up over the course of several years, resulting in a 'drift' from where we thought your plan would take you.
In either case, following up a completed retirement plan with an hour or two of our hourly-rate planning is usually sufficient. We don't typically see a need to repeat the full retirement planning process. Keeping more money in your pocket is one of the best ways to meet your retirement goals.