The Retirement Readiness System
Where retirement clarity starts.
Fee-for-service only retirement planning, and ongoing full-service wealth management for families who want the plan implemented and maintained.
Fee-for-service only
What the Retirement Readiness System includes.
A complete, written retirement plan for a flat fee. No assets move, and no commitment beyond the engagement itself.
Important note. Our fee-for-service retirement planning is a low-commitment way to experience the value of our advice and see how our team works before moving any assets. If you choose to transition to full-service wealth management, we waive 50% of the fee-for-service only planning fee.
Discovery & Foundation
- Review and integration of personal and registered financial information.
- Clear planning roadmap and assumptions review.
Cash Flow & Income Planning
- Customized cash-flow modelling, including a net-worth buffer analysis.
- Sustainable after-tax retirement income projections.
- Go-Go / Slow-Go / No-Go retirement phase planning.
- Survivor income and continuity planning (where applicable).
Scenario & Risk Analysis
- Multiple financial scenario iterations to test outcomes.
- Variable return and inflation stress-testing.
- Resilience testing using historical and alternative market assumptions.
Retirement Income & Government Benefits
- Optimized retirement income and withdrawal strategies across accounts.
- CPP, OAS, and government pension optimization.
Investment Strategy
- Investment recommendations, including asset mix, security mix, and Investment Policy Statement guidance.
- Time-horizon-based allocation for short-, medium-, and long-term investment needs.
Legacy & Estate Considerations
- High-level legacy and estate planning guidance.
Everything in the Household Plan
- The full Household Retirement Plan scope, applied to your situation.
Corporate or Rental Layer
- Planning extended to a corporation or rental property alongside the household plan.
Speak with us about scope and pricing for corporate and rental situations — complexity varies considerably.
Ongoing full-service wealth management
Transparency. Precision. Partnership.
Before
- Fees aren't transparent
- No structured retirement plan in place
- Investments aren't connected to the retirement plan
After
- Clear, transparent fees with no surprises
- Comprehensive and customized retirement planning
- Your investment strategy aligned with your retirement plan
Service fees
0.5–1% depending on complexity and assets under management
Account minimum
$500,000 CAD
Ongoing Financial/Retirement Planning
Ongoing planning, guidance, and accountability.
- Goals Discussion and updates
- Maintain updated financial statements
- Ongoing Gap/Opportunity Analysis
- Strategy Development
- Implementation Assistance
- Encouragement & Accountability
- Regular Reviews and Progress Reports
- Plan Updates and Refinements
Retirement Income Administration
Smooth, reliable retirement paycheques.
- Customized Timeline Income Generation Recommendations
- Look after all the administration of retirement income payments from the portfolio to bank accounts
- Look after CRA tax remittances
- Based on your financial plan, direction on which accounts to draw income from and dollar amounts
Tax Planning
Smarter strategies to reduce taxes.
- Develop Tax-Effective Deaccumulation Strategies
- Tax-smart investment return strategies
- Income Splitting Strategies
- Integrated Personal & Corporate Tax Planning
- Effective Deployment of the 3 D’s of Tax Planning (Deduct, Divide, and Defer)
Investment Management
Investments aligned with your plan.
- Integration of your Investment Plan with your financial plan
- Development and Updating of your Personalized Investment Policy Statement (IPS)
- Ongoing Risk Temperament Assessment
- Customized Asset Mix Recommendations
- Customized Security Recommendations
- Portfolio Monitoring and Rebalancing
Estate Planning
Protect your family and your legacy.
- Ensure that Will(s), POA(s) and Healthcare directive(s) are up to date and reflect your current personal and financial position
- Direction on estate planning to minimize tax and ensure the smooth administration of your estate
- Assist clients in implementing legacy planning objectives through their estate plan
- Assist clients in communicating their estate planning priorities and intentions with family
Risk Management
Protect your plan from surprises.
- Planning that helps to protect what you have built
- Identify potential vulnerabilities (property, Life, Disability, Health) and outline solutions
- Ensure that in a first-to-die scenario that the survivor can maintain their lifestyle
- Investigate if the use of Life Insurance is appropriate to create tax-free capital, to create liquidity to pay taxes, or create a legacy
Family Governance
Stronger family alignment long-term.
- Help families to establish clear communication through family meetings
- Create a decision-making framework for the family to foster shared understanding
- Promote long-term unity across generations
Ready when you are
Get answers in 30 minutes.
A free, no-obligation retirement readiness call. Bring the question you've been avoiding — we'll tell you straight whether we can help.
Not prepared to talk yet?
Start somewhere lower-commitment.