You’ve spent years working hard, building your wealth, and providing for your family. Now you’ve reached a new stage—shifting your focus from accumulation to preservation. At Mastroianni & Associates Private Wealth Management, based in Windsor, we focus on financial planning for pre-retirees and retirees who want to enjoy life today while protecting their future. This stage of life is about more than numbers; it’s about peace of mind, family, and the freedom to live on your terms.
Living longer, living well
Retirement today looks different than it did for previous generations. With longer life expectancies, your financial plan needs to support not just basic needs but also the experiences that make life meaningful. That might mean travel, helping your children or grandchildren, or pursuing passions you’ve set aside. We help you design a plan that ensures your wealth supports these goals while still protecting your long-term security. Clients often tell us they feel relieved knowing they can enjoy today without compromising tomorrow.
Tax-smart strategies that preserve wealth
Taxes can be one of the biggest risks to your retirement income. Without a plan, they quietly erode your savings over time. Our team takes a proactive approach to tax planning—structuring withdrawals from RRIFs, TFSAs, and non-registered accounts to maximize efficiency. Income splitting, charitable giving, and well-timed strategies help reduce tax burdens while extending the life of your portfolio. Clients value how hands-on we are, often sitting with their accountants and lawyers to make sure no detail is missed and every opportunity is maximized.
Sustainable income and legacy planning
When you no longer earn a regular paycheque, the question becomes: where will your income come from? We create diversified, tax-efficient income streams designed to provide both stability and growth. Beyond income, we focus on legacy. Estate planning is about more than passing on assets—it’s about protecting your values and intentions. From trusts and charitable giving to structured transfers, we ensure your wealth benefits the people and causes you care about most. Many families appreciate the way we bring generations together, creating a sense of continuity and clarity.
Adapting your investments and preparing for healthcare
Your investment strategy should evolve with retirement. We help reduce unnecessary risks while maintaining growth, giving you balance between stability and opportunity. We also prepare you for health-related costs, which can become significant later in life. By planning ahead, we help preserve independence and reduce stress for you and your loved ones. With our guidance, you’ll feel confident knowing you’re prepared for both the expected and the unexpected.