You spent 35 years saving it. Now what?
A free, no-pressure look at your retirement income plan. See how much you can safely spend, how to draw down your savings without the tax bomb, and whether you'll be okay if the market drops the year you retire.
No sales pitch. Nothing to buy. Just a clear answer for your situation.
What we'll look at together
- When you can actually retire
- How to draw down your savings tax-efficiently
- CPP & OAS timing
- Will your plan survive a market crash
Bring your partner — these decisions work best together.
What you'll walk away with
One clear conversation. No homework, no jargon, no obligation.
When you can actually retire
And how much you can safely spend each year without running out.
How to draw down without the tax bomb
The order to pull from your RRSP/RRIF, TFSA and other accounts so you don't hand more than you have to to the CRA.
CPP & OAS timing
Whether to take CPP at 60, 65 or 70 — and how to avoid the OAS clawback.
Whether your plan survives a bad year
We stress-test it against a market drop the year you retire, so you know you're okay before it happens.
Why a plan is worth more than a good return
Most people think an advisor is about picking better investments. The real value sits underneath that, in decisions you only get to make once. Here is where it shows up.
The drawdown order
Pulling from the wrong account first can quietly cost tens of thousands in avoidable tax across retirement. Getting the sequence right is often worth more than any single year of returns.
CPP & OAS timing
Deciding when to start each, and dodging the OAS clawback, is a once-and-done decision that moves your lifetime income by a meaningful margin.
Staying the course
The biggest cost most people pay is reacting to a scary market at the worst moment. A plan you trust is what keeps you invested when it counts.
Who this is for
This assessment is built for people who are 50 to 70, within about ten years of retirement or recently retired. We typically work with people who have $500,000 or more in savings and investments, but a first conversation is always free and useful — you don't need to hit that number to book. What matters is you want a plan to spend it well, not a lecture on budgeting. We also work with incorporated business owners weighing salary, dividends and how to get money out efficiently.
Not sure if you're a fit? Run the quick check below — it takes 20 seconds and there's no wrong answer.
Who you'll be talking to
Marc Pineault
Retirement planner · London, Ontario
I'm Marc Pineault, a retirement planner based in London, Ontario. I work with individuals, families and business owners across Southwestern Ontario — in person and virtually across the province.
My job is the part most people never get: not picking funds, but building the plan underneath. Returns are the tip of the iceberg — maybe 10% of the value. The other 90% is the plan below the surface: tax-efficient drawdown, when to take CPP and OAS, making sure you don't run out, and what happens to your estate. That's what I do, and it's all I do.
The most common thing I hear about other advisors is silence — “I hear from him twice a year, maybe.” I keep my client roster deliberately small so I can stay proactive and actually answer the phone. You won't be a number here.
I'm a believer in showing you the actual numbers — your numbers — on screen, so you can see it for yourself instead of taking my word for it. And I won't push you. If working together doesn't make sense, I'll tell you.
You can also find me on TikTok, Instagram and LinkedIn as @marcdoesfinance.
Quick check — then pick a time
A few quick questions so Marc knows what you'd like to focus on and can prep before your call. Takes about 20 seconds.
What this is — and isn't
Common questions
Is this really free?
Yes. The assessment is free and there's no obligation. It's a conversation about your situation — if it makes sense to work together afterward, we'll talk about that then. If it doesn't, I'll tell you.
Do I need to prepare anything?
No. Come as you are. If you happen to have a rough idea of your accounts and savings it helps, but it's not required for a first conversation.
Can my spouse join?
Please do. Retirement income decisions work best when both partners are in the room. You're welcome to book a time that suits you both.
Do you meet in person or online?
Both. I'm based in London, Ontario and meet clients in person across Southwestern Ontario, and virtually with clients throughout the province.
I just found you online — why should I trust you?
Fair question, and you should do your homework. I'm Marc Pineault, a real retirement planner in London, Ontario — that's my photo above, my name on this page, and you can find me on TikTok, Instagram and LinkedIn as @marcdoesfinance. The first conversation is free precisely so you can decide for yourself, with no pressure.