Know exactly what happens next, before you ever say yes

Can you spend more — or should you ease off risk?

We measure your savings and pensions against everything you want to spend, for life.

Your essentials vs. your nice-to-haves

So the things that matter most are always covered, and the flexible stuff stays flexible.

Finding your low-tax years

We map your future income to spot the years you can move money at a discount.

Checking the tax before any big one-time move

A large sale, gift, or windfall handled in the wrong year can cost you needlessly.

Work pension: lump sum vs. keeping the pension

If you're leaving an employer, we run the math both ways.

Freeing up locked-in pension money

Where the rules allow, so it's not trapped when you want flexibility.

Drawing down your RRSP/RRIF in the low-tax years

Pulling registered money out while it's cheap, before it's forced out later when it's not.

The right order to spend your accounts

Which account to draw from first — and the cases where the usual rule flips.

Which non-registered holdings to sell first

Sequencing sales so you don't trigger more tax than you need to.

Setting up the pension tax credit at 65

A small move that unlocks credits and income-splitting.

Managing the withdrawals the government forces later

So mandatory minimums in your 80s don't push you into a higher-tax zone.

Fine-tuning each year's income

Small adjustments to keep every year in the lowest sensible bracket.

Hitting the age-71 deadlines

The contribution and conversion dates that are easy to miss and costly if you do.

The best age to start CPP and OAS

Waiting can mean far more guaranteed, inflation-protected income for life.

When taking CPP early actually makes sense

Sometimes it does — we check before you decide.

Protecting the GIS benefit

For lower incomes, the right moves keep more of this benefit in your pocket.

Sharing CPP and claiming what you're owed

Splitting between spouses and credits people often miss.

Planning for when one spouse passes

Household income drops — we plan for it ahead of time.

Splitting pension income each year

Shifting income to the lower-taxed spouse to cut the household bill.

Evening out both spouses' future income

So neither of you crosses into a higher-tax or benefit-clawback zone.

Timing spousal contributions correctly

A precise rule that, done right, keeps the tax with the right spouse.

Lending between spouses the right way

A simple structure that can lower the household's overall tax.

Funding the lower-income spouse's TFSA

The clean way to shift money without unwanted tax following it.

Holding each investment where it's taxed least

The same investments, less tax, just by where they sit.

Using your TFSA for the most growth

Your most tax-free account, working its hardest.

Capturing tax losses without losing your position

Turning down markets into a tax saving while staying invested.

Rebalancing without triggering needless tax

Keeping your mix on target without an avoidable tax bill.

What your investments cost you — and how concentrated they are

Fees quietly add up, and too much in one stock is a risk worth naming.

A cash cushion so you never sell low

Enough set aside to ride out a downturn without touching your investments.

A withdrawal rate you won't outlive

Spending set at a level that lasts, based on your real picture.

Spending guardrails for good years and bad

Simple rules that flex your spending up or down as markets move.

Guaranteeing your essentials are always covered

So the lights stay on no matter what the market does.

Confirming your will and powers of attorney are current

The foundation — before anything fancier, we make sure the basics are in place.

Setting your accounts to pass smoothly to your spouse

So things continue seamlessly, with no surprise tax.

Giving in the most tax-smart way

To family or charity, structured so more of it lands where you want.

Reducing probate and delays

Keeping your estate simpler, faster, and cheaper to settle.

Using the estate's own lower tax rates

A timing election that can save real money.

Your home, cottage, and large gains

Allocating exemptions and spreading gains to keep the tax down.

Special cases: a dependent with a disability, or U.S. assets

Specific structures that protect benefits and avoid foreign tax traps.

What your family would need if you passed today

A real number — not a guess — for the right amount of life insurance.

Protecting your income if you couldn't work

While you're still earning, your paycheque is the asset that funds everything.

A cushion for a serious illness

Cash on hand so a diagnosis doesn't force you to sell at the worst time.

Planning for long-term care costs

The big late-life expense most plans quietly ignore.

Matching each policy to the actual need

The right type and amount — never more than you need.

Covering the final tax bill

So your estate passes to your family whole.

A simple one-page plan you can act on in any market

Plain English, so you know exactly what to do when things get bumpy.

Reviewing it every year as life changes

We re-check the things that actually move your plan, not just your returns.

Permission to actually enjoy your money

If you can safely spend more, we'll show you — and mean it.

Paying yourself salary vs. dividends the smart way

The mix that builds your retirement room and keeps tax low.

Taking money out of your company in the cheapest order

Tax-free first, then the rest in the right sequence.

Keeping your company's investments tax-efficient

Staying on the right side of the small-business rules.

Company-only retirement accounts

Vehicles that can shelter far more than a personal plan.

Setting up the tax break before you sell

The lifetime exemption needs lead time — we start early.

Passing the business to the next generation

Structured so the growth, and its tax, lands in the right hands.

Using corporate-owned insurance

A tax-efficient way to grow and pass on company wealth.

Funding a partner buyout

So a co-owner's death doesn't put the business at risk.

Protecting the business if a key person is lost

Time and stability to keep things running.