Calm WealthSpecialists, not generalists
Most advisors juggle everything. We do one thing: turn what you saved into income that lasts, with tax, timing, and estate done right. Based in London, Ontario, serving Ontario and Canada.
How we think about planning
Good retirement planning is not complicated to explain. It is just rarely done well. Here is the order we work in, every time.
Before anything else, we get clear on the life you actually want in retirement: when you stop working, what you want to spend, who you want to help, what you want to leave behind. The plan is built backward from that, never sold forward from a product.
Returns are the visible tip. The part that decides whether your money lasts sits underneath: which account to draw first, how to keep more from the tax bill, how your estate lands where you want. We plan all of it as one coordinated picture.
A plan that only works when everything goes right is not a plan. We pressure-test yours against a long life, a market downturn at the wrong time, and higher costs, so you can see it holds up before you ever rely on it.
Your plan is not a binder that sits on a shelf. Life moves: a sale, an inheritance, a market swing, a change of heart. We revisit the plan, re-run your number, and adjust deliberately, so it still fits the life in front of you.
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.
What we stand for
The two words in our name double as the values we hold ourselves to on every plan.
Calm
ClarityYou leave every conversation knowing exactly where you stand and what happens next.
AlignedThe plan is built around your goals, not around a product someone needs to move.
LastingWe plan for the long haul: a long life, changing markets, and the years you cannot see yet.
MethodicalCalm and deliberate. We adjust the plan when life changes, we do not panic at the headlines.
Wealth
Whole pictureTax, income, estate, and protection planned together, not as disconnected pieces.
EducationWe explain the why in plain English, so you can make confident decisions, not just trust ours.
AlignedThe plan is built around your goals, not around a product someone needs to move.
LastingWe plan for the long haul: a long life, changing markets, and the years you cannot see yet.
TestedEvery plan is stress-tested before you rely on it, so you can see that it holds up.
Hands-onYou always work with a real person who knows your file, never a call center.
Where this comes from
Marc Pineault is a retirement planner based in London, Ontario. The work started with a simple observation: most people are guided carefully toward retirement, then left to figure out the hardest part on their own. Which account to draw first. How to keep more from the tax bill. Whether the money actually lasts. That gap is what we set out to close.
From London we work with families and business owners across Ontario, and with Canadians beyond it, both in person and virtually. The mission has never changed: turn what you saved into income that lasts, with the tax, timing, and estate done right, explained in plain English the whole way through.
We believe education is the benchmark. If a plan cannot be explained simply, it is not finished. That belief shows up publicly: a steady library of free, plain-English guides on the questions Ontarians actually ask, written so you can understand the moves before you ever sit down with us.
The education, in practice
A Monte Carlo stress test of the cash wedge vs. the 60/40 portfolio for retirement income. 10,000 trials, $1M portfolio, $45,000/year — the 'safer' strategy isn't what most retirees think, and one simple rule beat both.
Most Canadians hold the same investments in all three of their accounts — RRSP, TFSA, and non-registered. That's leaving roughly $100,000 of after-tax wealth on the table over a 30-year accumulation. A clear, math-grounded guide to asset location for Ontarians with $500K+ across multiple accounts.
For Ontarians earning $150K+, the TFSA-vs-RRSP decision is rarely either-or — and the standard 'just pick one' advice gets the math wrong. A complete, plain-English framework for high-earning accumulators on how to actually decide, with 2026 marginal rates.
Two jobs, done by the right people
You get the best of both: a planner who knows your whole life, and a serious investment team behind the portfolio, working together as one relationship.
Both sides sit behind one plan and one relationship. You always know who is doing what, and you always have a real person to call.
Book a free assessment. We will look at where your income comes from, what tax you can avoid, and whether you are on track. No pressure, no pitch, just a clear read.
Or reach out anytime — I respond personally.