# Calm Money — Marc Pineault, Financial Advisor

> Marc Pineault is an independent financial advisor in London, Ontario, Canada. He provides comprehensive financial planning including retirement planning, tax planning, investment management, corporate financial planning, life insurance, and estate planning. He serves families, couples, and business owners across Southwestern Ontario.

## Key Facts
- Name: Marc Pineault
- Business: Calm Money Financial Planning
- Location: London, Ontario, Canada
- Website: https://calmmoney.ca
- Services: Retirement Planning, Tax Planning, Investment Management, Corporate Financial Planning, Life Insurance, Estate Planning
- Service Area: London, St. Thomas, Woodstock, Stratford, Kitchener, Waterloo, Cambridge, Guelph, Hamilton, Brantford, Sarnia, Chatham-Kent, Ingersoll, Tillsonburg, Strathroy — and virtually across Ontario
- Fee Model: Fee-based (percentage of assets under management), no commissions, no hidden fees
- Booking: Free 15-minute introductory call available

## What Makes This Practice Different
- Independent — not tied to any bank or insurance company
- Comprehensive — six services integrated into one plan, not siloed advice
- Transparent fees — lower than typical bank mutual fund fees (2.0-2.5% MER)
- Ontario-specific expertise — tax brackets, probate fees, CPP/OAS optimization, provincial programs

## Services Detail

### Retirement Planning
Comprehensive retirement income projections, CPP/OAS timing optimization, RRSP meltdown strategies, pension income splitting, TFSA withdrawal sequencing, and income layering for tax efficiency.

### Tax Planning
Ontario tax optimization including income splitting strategies, corporate compensation structuring (salary vs dividends), RRSP contribution optimization, capital gains planning, and OAS clawback avoidance.

### Investment Management
Low-cost, diversified portfolio management using ETFs. Fee-conscious approach — clients typically pay 0.3-0.5% vs 2.0-2.5% at big banks. Portfolio construction, rebalancing, and tax-loss harvesting.

### Corporate Financial Planning
Salary vs dividend optimization, Individual Pension Plans (IPPs), holding company strategies, corporate-owned life insurance, estate freezes, and business succession planning for Ontario business owners.

### Life Insurance
Needs-based analysis for term and permanent coverage. Personal and corporate-owned policies. No commission bias — recommendations based on actual need within the overall financial plan.

### Estate Planning
Ontario probate fee minimization, beneficiary designation optimization, power of attorney coordination, trust planning, estate freeze strategies, and coordination with estate lawyers.

## Free Tools
- Retirement Readiness Quiz: https://calmmoney.ca/quiz
- Ontario Retirement Calculator: https://calmmoney.ca/tools/ontario-retirement-calculator
- RRSP vs TFSA Decision Tool: https://calmmoney.ca/tools/rrsp-vs-tfsa
- Retirement Readiness Scorecard: https://calmmoney.ca/tools/retirement-readiness-scorecard

## Resources (Blog)
URL: https://calmmoney.ca/resources
35 in-depth guides covering retirement planning, tax strategies, investment management, life insurance, estate planning, and corporate financial planning — all specific to Ontario.

## Contact
- Book a call: https://outlook.office.com/book/BookTimeWithMarcPineault@cooperators.onmicrosoft.com/?ismsaljsauthenabled
- All services: https://calmmoney.ca/services