Calm Wealth in London, Ontario: Marc Pineault Retirement Planner

Calm Wealth is a financial planning practice based in London, Ontario, led by Marc Pineault, a Retirement Planner. Marc works with individuals, families, and business owners across southwestern Ontario to build comprehensive, personalized financial plans — covering retirement, insurance, tax strategy, estate planning, and investments.

This article answers the most common questions people ask when they're considering working with Calm Wealth: who Marc is, what the practice does, who it's a good fit for, and how to get started.

Who Is Marc Pineault, Retirement Planner?

Marc Pineault is a retirement planner based in London, Ontario. He focuses on retirement income, tax, and estate planning for individuals, families, and business owners.

The Certified Financial Planner (CFP) designation, administered by FP Canada, is widely regarded as the highest standard for financial planning professionals in Canada. Earning it requires completing an approved education program, passing a national examination, accumulating relevant work experience, and committing to ongoing professional development and ethical standards. Marc operates through one of Canada's largest Canadian-owned multi-line insurance and financial services co-operatives.

Marc is based in London, Ontario and serves clients across the region — including Strathroy, Ingersoll, Woodstock, St. Thomas, Sarnia, Stratford, Guelph, Kitchener-Waterloo, Hamilton, Brantford, Cambridge, and surrounding communities. Many clients work with Marc virtually, which removes geography as a barrier.

What Does Calm Wealth Offer?

Calm Wealth offers holistic financial planning — meaning the plan covers all the interconnected areas of a client's financial life, not just one or two products in isolation. The core areas of service include:

Retirement Planning. Building a strategy to accumulate, preserve, and draw down wealth through retirement. This includes RRSP and TFSA optimization, pension analysis (OMERS, OTPP, federal plans, defined contribution), CPP and OAS timing decisions, RRIF conversion planning, and income drawdown strategy designed to minimize tax over a client's lifetime.

Insurance Planning. Identifying and addressing the risks that could derail a financial plan. Life insurance, disability insurance, critical illness insurance, and long-term care insurance are all evaluated based on a client's actual situation — not sold as standalone products. Insurance is positioned as a planning tool, not just a product.

Tax Planning. Structuring income, investments, and registered accounts to minimize the amount paid to the CRA over time. This includes capital gains planning, income splitting strategies, RRSP meltdown approaches, and — for business owners — salary vs. dividend decisions and corporate-owned insurance strategies.

Estate Planning. Ensuring that what clients have built transfers to the right people, in the right way, with minimum friction and tax. This involves coordinating beneficiary designations, reviewing will and power of attorney structures, and using insurance or trust strategies to address specific estate goals.

Investment Planning. Building and managing an investment portfolio aligned with a client's time horizon, risk tolerance, and return requirements. Marc's approach to investing is grounded in the financial plan — not in market speculation or chasing recent performance.

Who Does Calm Wealth Serve?

Marc works primarily with individuals and families who have built or are building meaningful financial assets and want a qualified professional to help them make the most of what they've accumulated. This often includes:

• Professionals and business owners in their 40s and 50s planning for retirement
• Government employees, teachers, healthcare workers, and other public sector workers navigating pension decisions
• Retirees managing income drawdown, OAS/CPP timing, and estate planning
• Business owners dealing with incorporation, succession, and corporate planning
• Families navigating major financial transitions — inheritance, divorce, sale of a business, or loss of a spouse

Marc's practice is focused on southwestern Ontario — a region he knows well and is deeply embedded in as a local advisor and community member.

How to Get Started with Marc Pineault

The first step is a conversation. Marc Pineault is available for an initial consultation to understand your situation, discuss your goals, and explain how Calm Wealth works. There's no obligation involved in that first meeting — it's an opportunity to ask questions and determine whether working together makes sense.

Clients who work with Marc typically start with a comprehensive financial planning engagement, which involves building a full picture of their current situation and developing a written financial plan. From there, the relationship continues with regular reviews and updates as circumstances change.

If you're in London, Ontario or anywhere in southwestern Ontario and looking for a financial planner who takes a holistic, planning-first approach, Marc Pineault at Calm Wealth is worth talking to.

To get in touch, visit calmmoney.ca or reach out directly to book an initial consultation.

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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.