We help clients build retirement plans that bring clarity and peace of mind. Whether you’re a business owner preparing for transition, a professional looking for tax-smart strategies, or someone ready to enjoy the next chapter, our retirement planning specialists ensure every step supports the life you want to live.
Retirement plans for business owners
Many of our clients are business owners who have dedicated years to building successful companies. Transitioning into retirement often means balancing business succession with personal financial security. We help design retirement plans for business owners that integrate personal and corporate wealth, ensuring your exit strategy maximizes value while protecting your lifestyle. From coordinating with accountants and lawyers to structuring compensation and aligning with capital gains exemptions, our role is to simplify complexity and help you retire with confidence. Whether selling the business or passing it on, we make sure your financial story continues seamlessly.
The decumulation stage
Saving is one discipline—spending in retirement is another. Decumulation requires thoughtful planning to ensure your wealth supports you without fear of running out. We guide you through decisions such as which accounts to draw from first, how to balance pensions and RRIF withdrawals, and when to use non-registered savings. With our experience in high-net-worth retirement planning, we design sustainable income strategies that protect your long-term security while giving you the freedom to enjoy today. The result is a balance of prudence and peace of mind, allowing you to focus on what matters most.
Tax efficiency and wealth preservation
Taxes can quietly erode even the best small business retirement plans if left unchecked. That’s why our retirement planning process is tightly integrated with tax reduction strategies. From income splitting and corporate structures to capital gains tax planning, we ensure every decision is aligned with minimizing tax impact. High-net-worth individuals benefit from advanced strategies, while small business owners appreciate straightforward tax saving strategies that let them keep more of what they’ve built. By planning ahead, we protect your wealth so it lasts for you and the next generation.
A retirement plan that adapts
Life doesn’t stand still, and neither should your plan. Retirement goals shift with time—whether that means travelling more, supporting family, or funding charitable causes. We create flexible, personalized retirement plans that evolve with you. Investments continue to grow with the right balance of stability and opportunity, pensions are managed to maximize value, and risk management ensures you’re prepared for life’s surprises. We believe the best retirement for small business owners and high-net-worth families is one that adapts as life unfolds, keeping your financial confidence intact.
Trust, experience, and care
For over 20 years, our team has guided families across Windsor with retirement planning that combines technical expertise and personal care. Clients often describe working with us as feeling like family. This genuine care builds long-term trust and ensures every client feels secure in their retirement journey.