You've worked your whole life to get to this point. Make sure you enjoy it to the fullest.
Retirement isn't the end of financial planning—it's the beginning of a new phase, with its own set of challenges: tax-efficient withdrawal, protection against inflation and longevity, spousal care, and inheritance planning for children. We'll guide you with the same dedication that got you there in the first place.
What we manage for you
Something we often hear in a first meeting
I don't want to run out of money, but I also don't want to deprive my family of an inheritance.
Striking the right balance between fully enjoying your retirement and preserving an inheritance for your children and grandchildren is a delicate matter. Too cautious, and you'll deprive yourself unnecessarily. Too generous, and you'll take risks. The right strategy is neither obvious nor instinctive.
Balance between legacy and lifestyleMy partner has never been involved in finances. If something happens to me, what will become of him?
In most couples, one person has historically managed the finances. The question of continuity—if that person dies or loses their abilities—is rarely planned for, rarely documented, and almost always a source of silent worry.
Marital continuityI pay more tax in retirement than I thought I would.
Between mandatory RRIF contributions, QPP contributions, OAS benefits (sometimes reclaimed), investment income, and real estate, your taxable income can reach unexpected levels. Without an optimal withdrawal strategy and income splitting with your spouse, you'll be leaving money on the table every year.
Underestimated taxationI think about what will happen to my assets — to my children, to my causes, to the tax authorities.
Passing on wealth becomes more important as the years go by. Fairness among children, charitable donations, tax implications upon death, protection of a vulnerable child: these issues deserve a clear and well-documented strategy — not impromptu decisions.
Transmission and legacyA retirement that is managed, not endured.
Tax-optimized disbursement strategy
IRON, TFSA, unregisteredQPP, OAS, pensions, real estate: each source of income has its own tax rules. We orchestrate withdrawals to minimize family tax year after year — and over your entire retirement, not just the current year.
Income splitting with your spouse
Pension splitting, sharing of Quebec Pension Plan (QPP) benefits, coordinating RRIF withdrawals: these strategies can represent thousands of dollars in annual tax savings for couples. They are often underutilized because they are poorly explained.
Protection against the real risks of retirement
The risks of a long retirement are not what you might think. Inflation, longevity (living to 95+), the sequence of returns, long-term carePremature death of a spouse: we build a portfolio and strategy that take into account all these risks — not just market risk.
Living Estate Planning
Will, power of attorney, testamentary trust for a vulnerable child or for family equity, up-to-date beneficiaries on each account, coordination with your notary. And above all: a strategy for freezing gains upon death, minimizing terminal taxes, and strategically using...life insurance as a tool for legacy.
Strategic Philanthropy
For clients who wish to support causes close to their hearts, we structure tax-efficient charitable donations: donations in listed securities with capital gains, endowment funds, bequests, and life insurance policies with beneficiary foundations. Your generosity can have a much greater impact with minimal structuring.
Preparation of spouse and children
If you were unable to manage your finances tomorrow, would your spouse know what to do? Would your children know where everything is? We help document, simplify, and prepare the transfer of this responsibility—during your lifetime and after.
How we work together
Introductory meeting — free of charge, no obligation
A calm conversation to understand your situation, your concerns, and your intentions. You'll leave with greater clarity, even if you choose not to pursue it further.
Complete financial statement
We gather and analyze all of your assets: investments, RRIFs, QPPs, OAS, pensions, real estate, protections, estate documents, transfer intentions.
Updated retirement plan
Projecting your retirement over 25-30 years with an optimized disbursement strategy, managing retirement-specific risks, and tax coordination with your spouse.
Coordination with your notary, your accountant and your family
We work with your other professionals to align your financial strategy, tax planning, and estate planning. And when you wish, we include your children in the conversation.
Annual review and continuous attendance
One formal meeting per year, and continuous availability for life events: health, death of a spouse or loved one, help for a child or grandchild, sale of property, change of residence.
Concrete results for real retirees
A couple, aged 68 and 66, retired for four years. They have a $65,000 disability pension, a substantial RRIF (Registered Retirement Income Fund), and own a rental property. They were surprised by the annual tax bill. They have partially recovered their old-age pension.
Pension splitting, adjusting the RRIF/TFSA/non-registered sequence, restructuring property ownership, multi-year planning to avoid SV recovery.
A 72-year-old client, widowed for 14 months. Incomprehensible assets, investments never chosen, 4 institutions, paralyzing fear of making a mistake.
Listening, gradual consolidation, conservative repositioning, automatic monthly disbursement, will update with notary, presentation to eldest son.
A 74-year-old widower with an estate of $3,2 million. Three children, one with a disability. His will, dividing his estate equally, is unsuitable—a lump-sum bequest poses a problem for government benefits.
Testamentary trust for the vulnerable child, adjustment for fairness between the 3 children, life insurance for liquidity upon death, family meeting to explain the structure.
The results presented are examples based on typical situations. Each case is unique and results may vary depending on your personal circumstances.
Answers for retirees
Even more so than before, in fact. The withdrawal phase is technically more complex than the accumulation phase—more sources of income, more tax interactions, more irreversible decisions. Without guidance, many retirees leave thousands of dollars on the table each year.
The minimum RRIF contribution isn't a strategy—it's a legal minimum. The real question is: is this the right amount this year, considering your overall tax situation, your spouse, and other sources of income? Often, withdrawing more than the minimum is tax-efficient. Sometimes it's the opposite.
Deferring your Old Age Security (OAS) benefits increases them by approximately 36% over 5 years, which is significant. However, it's not always the right decision—especially if your income is already high, your life expectancy is reduced, or you need it now. We model your specific situation.
Not necessarily. True estate planning also includes: up-to-date beneficiaries on each RRSP/RRIF/TFSA/insurance, a power of attorney for incapacity, a terminal tax strategy, a testamentary trust if applicable, documentation of asset location, and often life insurance for liquidity upon death.
Cash gifts, family loans, help with first-time home purchases, Registered Education Savings Plans (RESPs) for grandchildren, life insurance policies for their benefit: several tools are available. We structure these in a tax-efficient way, ensuring fairness among your children, and without compromising your own financial security.
At your own pace. Many of our retired clients would like their spouse or children to be included in the meetings, to help prepare for the future. We gladly welcome this request, whenever and however you wish.
Your retirement deserves to be fully lived — and fully planned
An initial conversation, free of charge and without obligation, to see if an integrated approach could simplify, optimize and secure your retirement.