Calm WealthA dedicated planner in London, Ontario
A retirement planner in London, Ontario dedicated to you every step of the way, backed by a dedicated investment team and insurance support so nothing falls through the cracks.
Your planning lead
Retirement Planner, London, Ontario
When you become a client, you work with Marc. He sits down with you, learns your situation, and builds the plan himself. He stays your point of contact for as long as you are a client, so the person who understands your money is the same person who answers when you call.
Marc focuses on one thing: turning what Ontarians have saved into income that lasts. That means which account to draw first, how to keep more from the tax bill, when to turn on CPP and OAS, and how to make sure what is left lands where you want it. He coordinates a dedicated investment team and insurance support behind the scenes so nothing falls through the cracks, while you keep one relationship.
Marc writes openly about the planning questions Ontarians actually face. Read a few pieces and judge the thinking for yourself. That is the best proof of expertise there is.
The Disability Tax Credit is a federal and provincial non-refundable tax credit that reduces eligible Ontarians' income tax by approximately $2,000 per year. This guide explains who qualifies, how to apply, and how the DTC fits into a retirement income plan in London, Ontario and across the province.
When your RRSP is maxed, choosing between a TFSA and a non-registered account is your most consequential remaining tax decision. Marc Pineault, a retirement planner in London, Ontario, explains the key differences and how to use each account wisely.
If you're 55 in Ontario and weighing whether to move your pension to a LIRA, this guide breaks down exactly how locked-in accounts work, what Ontario's 50% unlock rule means at LIF conversion, and the key trade-offs between guaranteed pension income and investment flexibility. Marc Pineault, a retirement planner in London, Ontario, walks through the mechanics, a worked dollar example, and the questions worth answering before making a decision you cannot reverse.
The team behind your plan
You always deal with Marc. But a clear plan needs more than one person to run it well, so a serious back office stands behind the work. Here is who does what, honestly.
Your planning lead
The person you actually work with. Marc builds your plan, runs the numbers, and stays your point of contact. He owns the relationship from your first conversation onward, so you are never handed off to someone who does not know your story.
Investment management
The money itself is run by an established institutional investment management partner with deep research, trading, and oversight resources. You get that scale and discipline working for you, coordinated through Marc, so your portfolio always stays aligned with the plan.
Insurance support
When your plan calls for protection, insurance support sits behind Marc to handle the coverage piece. You are not sent off to shop on your own. Life, disability, and estate protection are quoted and arranged as part of the same plan, so nothing important gets missed.
You get the strength of a full team with the simplicity of one relationship. Nothing falls through the cracks, and you never have to repeat your story to a stranger.
Why one planner
Big firms hand you to whoever is free. Here you get one dedicated planner who knows your name, your goals, and your numbers. That continuity is the whole point.
You are not routed through a queue. The person who built your plan is the person who picks up when you call, so you never start over with someone new.
Marc carries your full situation in his head and in your plan. There is no file passed between departments where the important details quietly disappear.
Because one person sees your income, taxes, estate, and protection together, the moves he suggests fit the whole picture, not just the slice in front of him.
You get a planner who remembers your goals, checks in as life changes, and treats your money like it matters. That is hard to get from a roster.
When your retirement is on the line, you want a name, not a call center.
That name is Marc Pineault. The team behind him makes the work stronger. He keeps it personal.
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.
Getting Started
No pitch, no obligation. Just a quick conversation to see if I can help with your specific situation.
I'll build a plan tailored to your family or business. Real numbers, not a generic template.
I manage your investments and keep your plan updated as life changes. Regular proactive contact.
Book a free assessment and talk with Marc directly. No pitch, no pressure, just a clear read on where you stand and how a real plan would work for you.
Not ready to book? Take the 2-minute retirement quiz →
Or reach out anytime — I respond personally.