Marc Pineault on Investment Planning in London, Ontario

Does Marc Pineault help with investment planning? Yes — but the way Marc approaches investing is different from what many people expect. His view is that investment decisions only make sense inside the context of a full financial plan. You can't build the right portfolio without first understanding what the money is for, when you'll need it, and how it fits alongside your other income sources and tax situation.

Here's how Marc Pineault approaches investment planning for clients in London and across Southwestern Ontario.

The Problem With Risk Questionnaires

Most investment experiences start with a questionnaire that tries to figure out your "risk tolerance." You answer a few questions, get labelled conservative or balanced or aggressive, and end up in a generic portfolio.

The problem is that risk tolerance alone doesn't tell you anything about whether you're on track to retire, whether your asset allocation makes sense given your other income sources, or whether you're being tax-efficient. It's a starting point masquerading as a plan.

Marc's approach starts with the financial plan first, then builds investment recommendations that serve that plan — not the other way around.

What Investment Planning With Marc Actually Looks Like

When Marc works with a client on investments, the conversation covers:

Purpose and timeline — What is this money for? When do you need it? How much income do you expect to draw from it in retirement, and when?

Account structure — Which investments belong in your RRSP versus TFSA versus non-registered accounts? The location of your investments matters for tax efficiency, and getting it wrong costs money over time.

Asset allocation — How should your portfolio be divided between growth-oriented and more stable assets? This is where your timeline, income needs, and other assets all inform the decision — not just a questionnaire score.

Coordination with other income sources — If you have a defined benefit pension, CPP, OAS, and a rental property on top of your investment accounts, the role your investments need to play changes significantly. Marc looks at the complete picture.

Ongoing management — Markets change, life changes, and portfolios need periodic review. Marc builds ongoing reviews into the relationship so your investments stay aligned with your plan.

Tax-Efficient Investing

One of the most underappreciated parts of investment planning is the tax dimension. Where you hold your assets, how you draw from them in retirement, and how you harvest gains and losses can all have meaningful effects on your after-tax return — which is the only return that actually matters.

Marc integrates tax planning into investment decisions from the start, not as an afterthought.

For Business Owners

Incorporated business owners face additional complexity: the question of whether to keep investments inside the corporation or in personal accounts, how corporate passive income affects the small business tax rate, and how to use a holdco effectively. Marc helps business owners navigate these decisions as part of a coherent overall plan.

Who This Is For

Marc's investment planning work serves clients who:

• Have meaningful assets and want a clear strategy for growing and protecting them
• Are approaching retirement and need their investments coordinated with CPP, OAS, and other income
• Have accounts scattered across different institutions with no overall strategy
• Want to understand what their money is doing and why

Talk to Marc

If you want a financial planner in London, Ontario who will look at your investments as part of your overall plan — not just put you in a generic portfolio — Marc Pineault is ready to have that conversation.

Book a free consultation at https://calmmoney.ca/contact.

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This article is for educational purposes only and does not constitute personalized financial advice. Please consult a qualified financial planner before making any financial decisions.