Products and services

Retirement Readiness Assessment

Your biggest question deserves a clear answer: “Can I afford to retire when I want?”

You’ve been saving for years, but you don’t know if it’s enough. You wonder if you can retire at 60 or if you need to work until 65. You’re juggling aging parents, adult children and your own future - and you’re tired of second-guessing every decision.

I help you get complete clarity. We’ll analyze your RRSPs, TFSAs, pensions and other savings to show you exactly when you can retire. You’ll see multiple scenarios - retire at 58, 60, 62 or 65 - and understand exactly what each means for your lifestyle. No more guessing. Just clear answers so you can move forward with confidence.

Tax-Efficient Income Strategy

You’ve worked too hard to overpay CRA unnecessarily.

Every dollar you give CRA is a dollar that’s not working for you in retirement. But navigating RRSP withdrawals, TFSA strategies, OAS clawbacks and RRIF minimums is overwhelming - and one wrong move can cost you tens of thousands in unnecessary taxes.

I coordinate when to withdraw from which accounts to minimize your lifetime tax burden - not just this year’s taxes, but your entire retirement. We’ll help optimize your withdrawal sequencing to keep you in lower tax brackets, avoid OAS clawbacks and ensure your money lasts longer. You keep more of what you’ve earned.

CPP & OAS Optimization

When you start CPP can make a massive difference to your lifetime income.

Should you start CPP at 60? Wait until 65? Defer to 70? Most people guess - and guessing wrong can cost you tens of thousands of dollars over your retirement. The same decision applies to OAS and the optimal strategy depends on your complete financial picture.

I model different scenarios showing you exactly what starting CPP and OAS at different ages means for your lifetime income. You’ll understand the tradeoffs and make informed decisions based on your specific situation - not generic advice. You maximize every dollar of government benefits you’re entitled to.

Risk Management & Protection

You’ve built this wealth over decades - let’s make sure it’s protected.

You’ve worked hard and made sacrifices to get where you are today. But what happens if you get sick before you retire? What if something happens to you and your family loses their financial security? You want to protect what you’ve built, but you’re not sure what coverage you actually need - or if what you have is even right anymore.

I help you understand what could go wrong and how to protect against it. We’ll review whether life insurance, disability insurance, critical illness coverage or long-term care insurance makes sense for your situation. Not because I’m selling products, but because protecting your retirement plan matters. You get honest advice about what you need, what you don’t, and strategies to help ensure one health crisis or unexpected event doesn’t derail everything you’ve worked for.

Comprehensive Coordination

Your financial life shouldn’t feel like juggling puzzle pieces that don’t fit together.

You have accounts at different institutions, an investment advisor here, an insurance agent there and you talk to your accountant once a year. Nobody’s coordinating anything. You’re trying to hold it all together yourself - and it’s exhausting.

I bring everything together into one coordinated strategy. Your RRSPs, TFSAs, pensions, CPP, OAS, insurance and estate plan all work together seamlessly. One advisor managing all the pieces. Regular check-ins so you always know where you stand. Proactive communication when things change. You finally have someone watching out for you who ensures nothing falls through the cracks.

Estate & Legacy Planning

Your loved ones should receive what you intend - not what’s left after CRA takes their share.

You want to leave something meaningful for your family. But RRIF and RRSP taxation at death can devastate your estate - sometimes 50%+ goes to the CRA instead of your loved ones. And without proper planning, your estate could be tied up in probate or distributed in ways you never intended.

I help you minimize taxes at death and maximize what your loved ones receive. We’ll explore strategies to reduce RRIF/RRSP taxation, optimize beneficiary designations, consider trust structures if appropriate and ensure your will and Powers of Attorney are current. You protect what you’ve built for the people you love.

Ongoing Partnership

Retirement planning isn’t set-it-and-forget-it - your life changes, and your plan should adapt.

Markets shift. Tax laws change. Parents need more help. Kids need support. You decide to work part-time instead of fully retiring. Life happens - and your plan needs to keep pace.

I stay with you through it all. Regular reviews keep you on track. Proactive communication when opportunities or concerns arise. Adjustments when your circumstances change. You’re never wondering “Am I still okay?” because you have a partner who’s always watching out for you.

READY TO GET STARTED?

Contact my office to book your Retirement Readiness Assessment - virtual or in-person.

With an office in Langford, B.C., I provide convenient in-person consultations, as well as virtual services to clients across British Columbia.