Calm WealthThe Calm Path: Live it
Ongoing planning and a dedicated investment team, working together, so your income, taxes, and portfolio stay aligned every year you are retired. Built and watched by your Retirement Planner in London, Ontario.
Plenty of people get a financial plan made, file it away, and never look at it again. Within a year it is already drifting out of date. Markets move. Tax rules change. Your own life shifts. The number that was right the day the plan was written quietly stops being right.
Ongoing wealth management is the answer to that. It is the difference between a plan that sits in a drawer and a plan that keeps working for you. Marc Pineault keeps the plan current and re-runs your number every year, while a dedicated investment team manages the portfolio behind it. Two sides, coordinated, so the planning and the investing always point the same way. If you want to understand how the plan itself gets built first, start with the retirement plan.
The whole picture
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
Tax — Every account drawn in the right order
Estate — It lands where you want, not at the CRA
Protection — Income and family covered
Behavior — No panic-selling at the bottom
Decline — Someone watching late in life
Life events — An inheritance, a sale, a crisis
A free assessment maps your whole iceberg — not just the question that brought you here.
Two sides, one relationship
Most people get either a plan or a portfolio. Here you get both, coordinated, so the planning and the investing always point the same way.
The planning side
Marc Pineault builds the plan, keeps it current, and stays the one person who knows your whole picture. Retirement income, tax, estate, and protection, coordinated as one strategy in London, Ontario.
The investment side
A dedicated investment team manages the portfolio behind your plan. They handle the day to day so the money is built and watched by professionals, while your plan stays in charge of what the portfolio is actually for.
Insurance support sits behind both, so the protection side of your plan is handled too. You deal with one person. The work happens across the whole team.
What an ongoing relationship gives you
The plan is the easy part. Keeping it right, year after year, as markets, rules, and your life all change, is the part that protects your retirement. Here is what that looks like.
Every year
Once a year we rebuild your retirement projection with your real numbers, not last year's assumptions. We answer the only question that matters again: are you still okay, and is anything off track.
Every quarter
You hear from us through the year, not just when markets are scary. Short, plain notes on what is happening, what it means for your plan, and why we are not changing course over headlines.
Tax season
Ahead of tax time we look at withdrawals, contributions, and income timing so the plan and your return work together. The goal is fewer surprises and less tax over your retirement, not just this year.
As needed
When the portfolio is rebalanced or adjusted, you are told what changed and why. No silent moves. You always know what is happening with your money and how it connects back to the plan.
When life moves
A rule change, a market shift, a new opportunity, or a bump in your own life: we reach out first. You should not have to wonder whether your plan still fits. That is our job to watch.
How often we connect scales with how much we manage and how complex your situation is. The deeper the relationship, the more proactive the contact. We walk through exactly how that works, and what it costs, on your free assessment.
Book a free assessment. We map your whole picture, show you how the planning and the investing work together, and walk through exactly what it costs. No pressure, no obligation.
Or reach out anytime — I respond personally.
What calmer looks like
Names and numbers are left out on purpose. The pattern is the same every time: a worry coming in, a deliberate move, a calmer person walking out.
A couple a few years from retiring
The worry
They had saved well but had no idea what they could actually spend, or whether they would run out if one of them lived a long time.
The move
We built the income plan first, set the order their accounts get drawn down, and stress tested it against a long retirement and a rough market.
Calmer
They retired on a date they chose, with a number they trust and a clear answer to the question that kept them up: yes, you are okay.
A retiree with most of their savings in registered accounts
The worry
A large registered balance meant a tax bill was building every year, and a future clawback on government benefits they had not seen coming.
The move
We planned earlier, measured withdrawals to smooth the tax over time and protect their benefits, coordinated with their TFSA and timing of government income.
Calmer
Less tax over the long run, benefits protected, and a drawdown that runs on a plan instead of guesswork each year.
An investor holding a large portfolio concentrated in a few names
The worry
Most of their wealth sat in a handful of similar holdings. One bad year in that corner could have undone decades of saving.
The move
A dedicated investment team rebuilt the portfolio to fit the plan, diversifying carefully and with an eye on the tax cost of every change.
Calmer
A portfolio matched to their retirement, watched by professionals, with far less riding on any single bet.
Stories are anonymized and generalized. Every plan is built for the person in front of us, not a template.
The Calm Path
Wealth management is the third step. The plan is built, and then we help you live it: keeping it current and running the money, so your retirement stays on track without you having to watch it.
We map your whole picture on a free assessment, so you know where you stand.
We build the retirement income plan: tax, estate, and protection, coordinated.
We keep the plan current and run the money, year after year, so you can just live.
You are here
It is the full relationship, not a one time plan. Marc Pineault keeps your retirement income plan current and re-runs your number every year, while a dedicated investment team manages the portfolio behind it. You get an annual plan refresh, regular market and portfolio notes through the year, a planning touch around tax season, updates whenever the portfolio is rebalanced, and a call from us whenever something changes that affects your plan. The planning and the investing are coordinated so they always point the same way.
Two sides work together. Marc Pineault is your Retirement Planner: he builds the plan, sets how and when accounts are drawn down, keeps the tax and estate pieces aligned, and stays the one person who knows your whole picture. A dedicated investment management team handles the day to day of the portfolio: building it, rebalancing it, and adjusting it as markets move. The portfolio is chosen to fit your plan, not the other way around. You deal with one person, and the work happens across the whole team.
A plan made once is a snapshot. It is right the day it is built and slowly drifts out of date as markets move, tax rules change, and your own life shifts. Ongoing wealth management keeps the plan alive: it is re-run every year, the portfolio is managed to match it, and we reach out first when something needs attention. The value is in the years after the plan is written, when keeping it right is what actually protects your retirement.
You are paying for the plan to stay right and the money to stay watched. That means a yearly rebuild of your retirement projection, proactive communication through the year instead of only when markets are scary, tax planning before you file, a managed portfolio that is rebalanced as needed, and a person who calls you when something changes. We walk through exactly how the fees work on your free assessment, so you see the full picture before you decide anything.
No. We start with a free assessment and look at your whole situation first. From there we map out what an ongoing relationship would look like for you, including which accounts make sense to bring under management and which do not. Nothing moves until you understand the plan and decide it is right for you. There is no pressure and no obligation at the assessment.
More often than most people expect, and proactively. You get a full plan refresh once a year, market and portfolio notes through the year, a planning touch around tax season, and updates whenever the portfolio is adjusted. On top of that, we call you when a rule change, a market shift, or a change in your own life means your plan needs a look. How often we connect scales with how much we manage and how complex your situation is.
Ongoing wealth management is built for people who have saved meaningfully and now want their money structured, managed, and protected, typically families and retirees in their 50s, 60s, and beyond, as well as incorporated business owners. The right fit depends on your situation, not a single cutoff. The free assessment is where we figure out together whether an ongoing relationship makes sense for you.
Book a free assessment. Whether you already have a plan or are starting from scratch, we will show you what it looks like to have the planning and the investing run together, year after year.
Or reach out anytime — I respond personally.