Retirement Planner in London, Ontario

Your Retirement Planner in London, Ontario

Marc Pineault is a retirement planner based in London, Ontario. Whether you need retirement planning, tax strategies, investment management, life insurance, or corporate financial planning, Marc provides clear advice tailored to your goals, and tells you up front how he is paid for it. London is home base — where the majority of clients are located and where in-person meetings happen.

Unlike a bank advisor, whose shelf stops at their own institution's products, I work as a retirement planner and you always know how I am paid: a flat planning fee agreed before the work starts, a management fee quoted in writing if I also run the investments, and an insurer-paid commission if you buy an insurance policy through me, disclosed when it comes up. The advice is not tied to any one company's shelf, and because you pay for the plan directly, it only has to answer to you. The planning covers six integrated areas: retirement planning, tax planning, investment management, corporate planning, life insurance, and estate planning. Everything works together in one coordinated plan.

Why London Residents Want Advice That Only Answers to Them

London is the largest city in Southwestern Ontario with a diverse economy spanning healthcare, education, manufacturing, technology, and financial services. Home to Western University and major hospitals, London has a strong professional workforce that benefits from comprehensive financial planning. Whether you work at London Health Sciences Centre, Western University, or one of the city's many corporations, having a dedicated retirement planner who understands your benefits, pension, and tax situation is essential for building long-term wealth.

A retirement planner looks at your full picture, not just the accounts sitting at one bank. I coordinate your investments across all accounts, optimize your tax strategy, ensure your life insurance coverage is right-sized, and build retirement projections that account for CPP, OAS, employer pensions, and your personal savings. London families and professionals deserve this level of comprehensive planning.

Investment Management for London, Ontario Clients

Most Londoners have never had someone show them what they are actually paying inside their investments, or whether those costs are buying them real planning. I will walk you through exactly what you hold and what it is costing you, in plain language, so you can decide with your eyes open. No jargon and no sales pitch.

Your portfolio is built based on your specific goals, time horizon, and risk tolerance — not a one-size-fits-all model. I manage your investments across RRSPs, TFSAs, non-registered accounts, and corporate accounts, placing each investment in the most tax-efficient account. Learn more about my investment management approach.

Life Insurance in London, Ontario

Life insurance is one of the most misunderstood areas of financial planning. Many London families are either underinsured or paying for coverage they do not need. I run a proper needs analysis that works out how much coverage your family or business actually requires, what type of policy fits your plan, and I will tell you plainly when the answer is none. Insurance products pay a commission from the insurer, so I say that up front, and I quote across multiple insurers and show you the quotes so you can see exactly what you are choosing between.

Whether you need term life insurance for mortgage protection, whole life insurance for estate planning, corporate-owned life insurance for tax-efficient wealth transfer, or key person insurance for your business, every recommendation is made in the context of your complete financial plan. Read more about life insurance planning.

Common Financial Planning Needs in London

• Retirement planning and income projections for London professionals
• Investment management with lower fees than big bank mutual funds
• Life insurance needs analysis for families and business owners
• Tax planning strategies for high-income London earners
• Corporate financial planning for London business owners and incorporated professionals
• Estate planning to protect family wealth and minimize probate in Ontario

About Marc Pineault — Retirement Planner

As a London-based retirement planner, I have deep roots in the local community. I understand the financial landscape of the Forest City — from employer pension plans at Western and LHSC to corporate tax strategies for London business owners. In-person meetings are always available at my London office, though many clients also appreciate the convenience of virtual meetings. My investment management approach combines low-cost portfolio construction with comprehensive financial planning, so your investments, insurance, taxes, and retirement plan all work together.

How It Works

Financial Planning Resources for London, Ontario