Your retirement shouldn’t be a question mark. With a clear plan and the right mix of insurance and investments, you can protect your income, grow your savings, and retire on your terms. We help you turn today’s income into tomorrow’s independence—without guesswork.
What We Do
We build a coordinated plan that balances growth, income, and protection across your working years and retirement:
- Goal & cash-flow mapping: What you want, when you want it, and what it costs.
- Investment strategy: Asset allocation matched to your risk profile and time horizon.
- Tax-smart accounts: RRSP, TFSA, non-registered, and corporate structures where applicable.
- Guaranteed income options: Annuities, GIAs/GICs, and payout strategies for steady cash flow.
- Risk management: Life, disability, and critical illness insurance to protect your plan from shocks.
- Decumulation planning: Order of withdrawals, CPP/OAS timing (where applicable), and sequence-of-returns risk control.
- Estate/beneficiary review: Keep more of your wealth in your family with efficient beneficiary designations and insurance tools.
Why It Matters
- Markets move—your bills don’t. A resilient plan blends growth with downside protection so a bad year doesn’t derail your lifestyle.
- Taxes compound, too. Small tax efficiencies, applied consistently, can add years of income to your plan.
- Longevity risk is real. Outliving your savings is preventable with the right withdrawal strategy and guaranteed income layers.
- Health events happen. Insurance can replace income or fund care, so investments stay invested.
Who We Help
- Young professionals building first portfolios and emergency funds.
- Growing families balancing mortgages, RESP/education, and protection needs.
- Business owners/self-employed optimizing retained earnings and risk coverage.
- Pre-retirees (5–10 years out) locking in a tax-efficient, low-stress retirement paycheck.
- Retirees seeking sustainable income, inflation defense, and estate clarity.
Our 5-Step Process
- 1. Discovery: Goals, timelines, assets, debts, insurance, and risk tolerance.
- 2. Plan Design: Side-by-side scenarios (conservative, balanced, growth) with fee and tax visibility.
- 3. Implementation: Right accounts, right products, lowest sensible costs, automated contributions.
- 4. Protection Layer: Life/disability/critical illness tuned to your cash-flow and family needs.
- 5. Ongoing Review: Annual check-ins (or life-event driven) to rebalance, reduce tax drag, and adjust withdrawals.
Investment Philosophy
- Purpose-built portfolios: Asset mix driven by goals, not headlines.
- Diversification first: Across geographies, sectors, and asset classes.
- Cost aware: Fees matter—every basis point compounds.
- Rules over hunches: Disciplined rebalancing and risk controls.
- Behavior coaching: Helping you stay invested through cycles.
Insurance as a Planning Tool
- Life insurance: Protect dependents, fund buy-sell agreements, or create tax-efficient estate value.
- Disability insurance: Replace income to keep savings on track during illness/injury.
- Critical illness insurance: Lump-sum cash for treatment, travel, or time off—so you don’t raid investments.
Ready to Start?
Book a 20-minute call. You’ll get a plain-language snapshot of where you are, gaps to fix, and a roadmap you can act on. No jargon—just a plan that grows with you.