Your plan dashboard
One clear picture of your whole retirement. It shows the income you can count on each year and whether your money is set to last, all on a single page you can actually read.
Read: how retirement income worksHere is exactly what you walk away with.
A retirement plan you can actually read. The spending you can afford year by year, when to turn on CPP and OAS, and how to keep more from the tax bill. Delivered to your own secure folder.
Book a Free AssessmentWhat your plan looks like
Here is the shape of a finished plan. The sample below is illustrative only. There are no real numbers and no real person behind it. Your version is built entirely around you.
Illustrative sample
A walkthrough is coming
How to read your plan
On your free assessment, we walk through every part of your plan together so it is clear how the income, the timing, and the tax pieces fit. A short guided walkthrough will live here soon.
Plan walkthrough coming soon
Five things you walk away with
Every plan is built around your own situation. Here is what is inside, and a guide on each that explains the thinking behind it.
Your year-by-year income summary
A simple schedule of where your income comes from each year and which account to draw from first, so you always know what your next paycheque in retirement looks like.
Read: the RRIF withdrawal guideYour tax-savings review
A plain read on where you are paying more tax than you need to in retirement, and the moves that quietly keep more of your money in your hands instead of the tax bill.
Read: the tax levers that matter mostYour strategy memo
The handful of decisions that matter most for your situation, written out in plain English with the why behind each one, so the plan never feels like a black box.
Read: is an RRSP meltdown right for youYour Calm Path one-pager
A short summary of where you are now, what we do next, and how we keep your plan on track over time. See it. Plan it. Live it.
Read: what to expect working togetherHow you get it
Delivered to your own private, secure folder
When your plan is ready, it goes straight into a secure folder that is yours. No portal to learn, no password to chase, no busywork. Just your plan, somewhere safe, whenever you want it.
It is your folder
Your plan lands in a private, secure folder that belongs to you. Nobody else can see what is inside it.
Nothing to log into
There is no app to download and no account to manage. You open your plan the same way you open any file you own.
Yours to keep
Every document we build for you stays in that folder. When we update your plan, the latest version is right there waiting.
The whole picture
Returns are the tip of the iceberg
About 10% of how this ends is your returns. The 90% that decides whether your money lasts sits below the waterline. That is the part I build.
Below the waterline
- 1
Tax — Every account drawn in the right order
- 2
Estate — It lands where you want, not at the CRA
- 3
Protection — Income and family covered
- 4
Behavior — No panic-selling at the bottom
- 5
Decline — Someone watching late in life
- 6
Life events — An inheritance, a sale, a crisis
A free assessment maps your whole iceberg — not just the question that brought you here.
Questions About Your Plan
It is a clear, readable picture of your retirement, not a thick binder you never open. You get a plan dashboard that shows the income you can count on each year and whether your money is set to last, a year-by-year income summary showing where each year's income comes from, a tax-savings review, a short strategy memo explaining the decisions that matter most, and a one-page summary of the steps ahead. Everything is written in plain English.
No. The sample on this page is illustrative only. It is there to show you the shape of a plan, the bars, the spending curve, and the CPP and OAS timing, without sharing any real person's information. Your plan is built entirely around your own situation, your goals, and your numbers.
That is one of the first questions your plan answers. The right start age depends on your other income, your health and family history, your tax picture, and how long your money needs to last. The plan shows you the timing that fits your situation rather than a one-size-fits-all rule. It is a decision worth getting right because it shapes your income for the rest of your life.
Your finished plan is delivered into your own private, secure folder. It is yours. There is no portal to learn, no app to download, and no account to manage. You open your plan the same way you open any file you own, and when we update it, the latest version is right there waiting for you.
What matters is whether the person building your plan does this work every day and can show you, in plain English, how your income, taxes, and timing fit together. Marc Pineault is a retirement planner in London, Ontario who focuses on turning what you have saved into income that lasts. The best way to judge fit is to book a free assessment and see how clearly the plan is explained.
A free assessment. It is a relaxed conversation about where you stand, what you are trying to do, and whether a plan would help. There is no pressure and no obligation. You leave with a clearer read on your retirement either way.
See What Your Plan Would Say
Book a free assessment. We talk through where you stand, what your retirement could look like, and whether a plan would help. No pressure, no obligation, and you leave with a clearer read either way.
Or reach out anytime — I respond personally.