For people retiring soon or already retired

Turning your savings into retirement income in Ontario

You spent decades saving. Nobody ever showed you how to spend it. The shift from building a nest egg to drawing it down is the hardest financial change most people make, and it is where small mistakes get expensive. How much can you safely spend? Which account do you pull from first? When do you start CPP and OAS? That is what I help you answer.

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What people in your situation usually wrestle with

How much can I actually spend

Spend too little and you miss the years you waited for. Spend too much and you worry about running out. There is a number, and you deserve to know it.

The drawdown order

Pulling from your RRSP, RRIF, TFSA, and non-registered accounts in the wrong order can cost you tens of thousands in avoidable tax over retirement.

CPP and OAS timing

Take it at 60, 65, or 70? Avoiding the OAS clawback and coordinating both with your withdrawals is a decision worth getting right once.

Will the plan survive a bad year

A market drop in your first few years of retirement is the real risk. We stress-test your plan against it so you know you are okay before it happens.

What we look at together

No homework and nothing to prepare. Here is the ground we cover.

  • A safe, tax-efficient spending number for each year of retirement
  • The order to draw down your RRSP, RRIF, TFSA, and non-registered accounts
  • When to start CPP and OAS, and how to avoid the OAS clawback
  • Income splitting and keeping more of every dollar in the household
  • Whether your plan survives a market drop the year you retire
  • What happens to your estate and how to pass it on cleanly

How working together looks

We start with a free assessment to give you a clear answer for your situation. If it makes sense to keep going, I build your retirement income plan and we manage it together, with regular reviews as life and the tax rules change.

Common questions

I am already retired. Is it too late to get a plan?
Not at all. A lot of the highest-value work happens in retirement: getting the drawdown order right, timing CPP and OAS, and protecting against a bad market year. It is rarely too late to keep more of what you have.
Do I have enough to bother with a plan?
We typically work with people who have around five hundred thousand dollars or more in savings and investments, but the first conversation is always free and useful, and you do not need to hit any number to book it.
What does it cost?
We walk through exactly what working together would look like and what it would cost on the free assessment, before you commit to anything.

Ready for a clear answer?

The free assessment is one relaxed conversation, usually about thirty minutes. No pressure, no pitch, nothing to buy. You walk away with a straight read on where you stand.

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Prefer to ask a question first?

Send a message and I'll get back to you within 1-2 business days.

Not sure this is you? Start with the free assessment anyway →