Retirement Planning Expertise
Three decades of specialized experience helping Canadians build secure retirement futures through strategic pension planning and personalized financial guidance
Corporate & Group Benefits Specialization
We've spent years working exclusively with Canadian corporations, building deep knowledge of group retirement savings plans, employee benefits administration, and the complex regulations that govern workplace pensions. This isn't theoretical knowledge—it comes from helping hundreds of companies navigate real challenges.
- Group RRSP and pension plan design specific to Canadian tax advantages and compliance requirements
- Employee education programs that actually increase participation rates and improve retirement readiness
- Regulatory compliance support that keeps HR departments confident and audit-ready
- Transition planning for employees approaching retirement with realistic timelines and expectations
- Integration strategies that connect company benefits with personal retirement savings for maximum efficiency
Individual Retirement Strategy
Every person's retirement picture looks different. Some clients come to us with existing pensions from multiple employers, others are self-employed professionals who need to build everything from scratch. We've learned that cookie-cutter approaches don't work.
- RRSP contribution optimization with tax-efficient timing strategies
- TFSA maximization techniques that protect future withdrawal flexibility
- Income splitting strategies for couples with different earning patterns
- Estate planning integration that protects surviving spouse benefits
- Healthcare cost planning specific to Canadian provincial coverage gaps
Pension Compliance & Regulation
Canadian pension law changes frequently, and staying compliant isn't optional. We work with plan administrators and business owners to understand what's required, when changes need to happen, and how to implement them without disrupting employees.
- Federal and provincial pension standards compliance monitoring
- Annual filing requirements and documentation management
- Plan amendment procedures when regulations change
- Audit preparation and regulatory communication support
- Cross-provincial workforce compliance for multi-location businesses
Transition & Distribution Planning
The years right before and after retirement are critical. We help clients understand their options for pension distributions, tax implications of different withdrawal strategies, and how to coordinate multiple income sources during retirement.
- Pension vs. commuted value analysis with realistic projections
- Tax-efficient withdrawal sequencing from different account types
- Old Age Security clawback minimization strategies
- Healthcare premium planning and provincial benefit coordination
- Legacy planning that preserves benefits for surviving family members
Ready to Discuss Your Retirement Strategy?
Whether you're an HR professional looking to improve your company's retirement benefits, or an individual trying to make sense of your pension options, we'd like to understand your specific situation. Our initial consultations focus on listening first—understanding where you are now and where you want to be.