# Marc Pineault — Retirement Planner, London, Ontario

> Marc Pineault is a retirement planner based in London, Ontario, Canada. He provides comprehensive financial planning for individuals, families, and business owners across Southwestern Ontario, including retirement planning, tax planning, investment management, corporate financial planning, life insurance, and estate planning.

## Key Facts
- Name: Marc Pineault
- Title: Retirement Planner
- Location: London, Ontario, Canada
- Website: https://calmmoney.ca
- Services: Retirement Planning, Tax Planning, Investment Management, Corporate Financial Planning, Life Insurance, Estate Planning
- Service Area: London, St. Thomas, Woodstock, Stratford, Kitchener, Waterloo, Cambridge, Guelph, Hamilton, Brantford, Sarnia, Chatham-Kent, Ingersoll, Tillsonburg, Strathroy — and virtually across Southwestern Ontario
- Booking: Free 15-minute introductory call available

## What Makes Marc Different
- Works — not tied to any single bank
- Comprehensive — six services integrated into one coordinated plan
- Independent, fiduciary-minded advice
- Ontario-specific expertise — CPP/OAS optimization, Ontario tax brackets, probate, provincial programs

## Services Detail

### Retirement Planning
CPP/OAS timing optimization, RRSP meltdown strategies, pension income splitting, TFSA withdrawal sequencing, and retirement income layering for tax efficiency.

### Tax Planning
Ontario tax optimization including income splitting strategies, corporate compensation structuring (salary vs dividends), RRSP contribution optimization, capital gains planning, and OAS clawback avoidance.

### Investment Management
Diversified portfolio management. Portfolio construction, rebalancing, and tax-efficient account allocation.

### Corporate Financial Planning
Salary vs dividend optimization, Individual Pension Plans (IPPs), holding company strategies, corporate-owned life insurance, and business succession planning for Ontario business owners.

### Life Insurance
Needs-based analysis for term and permanent coverage. Personal and corporate-owned policies.

### Estate Planning
Ontario probate fee minimization, beneficiary designation optimization, power of attorney coordination, trust planning, and coordination with estate lawyers.

## Free Tools
- Retirement Readiness Quiz: https://calmmoney.ca/quiz
- Ontario Retirement Calculator: https://calmmoney.ca/tools/ontario-retirement-calculator
- RRSP vs TFSA Decision Tool: https://calmmoney.ca/tools/rrsp-vs-tfsa
- Retirement Readiness Scorecard: https://calmmoney.ca/tools/retirement-readiness-scorecard

## Resources (Blog)
URL: https://calmmoney.ca/resources
267 in-depth guides covering retirement planning, tax strategies, investment management, life insurance, estate planning, and corporate financial planning — all specific to Ontario.

## Entity Page
Full profile: https://calmmoney.ca/marc-pineault

## Social
- TikTok: https://www.tiktok.com/@marcdoesfinance
- Instagram: https://www.instagram.com/marcdoesfinance
- LinkedIn: https://www.linkedin.com/in/marcpineault

## Contact
- All services: https://calmmoney.ca/services