Glacier FinancialA one-time retirement plan built only for you: a year-by-year income picture, lower lifetime tax, and a plan stress-tested against a long life and bad markets. It starts with a fit call.
These are the questions worth a real answer, not a guess. Your plan answers every one of them in plain English.
Every plan starts with the Individual foundation and builds up from there for couples, business owners and landlords. Each tier inherits everything in the one above it, so you only add what your life actually needs.
For one person turning savings into a retirement that lasts.
For couples coordinating two incomes and two lifespans.
For business owners and landlords with assets beyond personal accounts.
One flat fee, published here so you know the number before you book. One person pays $500 less than a couple.
Your full retirement plan.
$2,500for a couple
$2,000for one person
plus GST/HST
Your plan, and your wills done to match it.
$3,500for a couple
$3,000for one person
plus GST/HST
For Ontario residents.
Everything done with you, and I stay with you.
$7,500for a couple
$7,000for one person
plus GST/HST
Outside Ontario, Complete includes everything except the wills.
All prices plus GST/HST. Owning a business through a corporation, or a more involved estate, is quoted on the call. A $500 deposit starts the work and counts toward the fee, and you pay the balance only after you have seen the whole plan. See exactly how it works. Not sure which fits? We pick it together on your fit call.
Not ready for a full plan? Start with a Plan Check, $497 + HST, credited toward the plan.
Prefer to have the investments managed too? That is the other door: the planning is included in the ongoing management relationship. See wealth management.
Four things every plan delivers, no matter which tier you choose.
Get a clear, honest answer to the question that keeps you up at night: can I actually afford to retire, and stay retired, on what I have built?
See how your savings become a steady, reliable paycheque: which account to draw from first, how much, and in what order, year after year.
Keep more of what you saved. The plan finds the tax you can avoid over your whole retirement through smart timing and the right drawdown order.
We pressure-test your plan against a long life and bad markets, so you know it holds up even if things do not go perfectly. Confidence, not guesswork.
Here is exactly what you walk away with. Not a binder you file and forget, but a clear plan you can read at a glance.
The plan is not a binder you file away and forget. It is a clear, visual dashboard that shows the spending you can afford, the income that funds it, and the tax you can keep. Built only for you, and simple enough to understand at a glance.
You own it. It lives in your own private, secure folder, ready to open whenever you want a calm look at where you stand.
See exactly where your retirement paycheque comes from each year, and in what order to draw it, from the day you stop working onward.
Your spending is mapped to the real shape of retirement: more in the active early years, less as you slow down. No flat, unrealistic budget.
The plan shows the tax you can avoid over your whole retirement, not just the current year, by drawing from the right accounts in the right order.
Your plan lands in your own private, secure folder you can open any time. No login to a portal, no app to learn, no clutter.
Four calm steps from your first conversation to a plan you own. The first step costs nothing.
We have a calm, no-pressure conversation about your situation and look at your numbers together. You leave with a clear read on where you stand, whether or not you go further.
Using your real numbers, we build your year-by-year income picture, your tax-smart drawdown order, your government benefit timing, and your estate goals into one coordinated plan.
We pressure-test the plan against a long life and bad markets, so you know it holds up even when things do not go perfectly. Confidence, not guesswork.
Your finished plan lands in your own private, secure folder as a clear visual dashboard. You own it, and you can open it any time you want a calm look at where you stand.
Book a fit call. We look at your numbers together so you leave with a clear read on where you stand. No pressure, no pitch.
Not ready to book? Take the 2-minute retirement quiz →
Or call me at 519-281-2735 or text 226-242-3640.
Plain-English guides on the questions your plan answers.
Most Canadians take CPP at 60 or 65 — and most of them are wrong. A clear, math-grounded guide to the CPP timing decision: why breakeven analysis misleads, how longevity risk should drive the choice, and how the decision pairs with RRSP drawdown and OAS clawback in Ontario retirement planning.
Once retirement income crosses $95,323 in 2026, every additional dollar costs you 15 cents of OAS. A complete, math-grounded guide to the OAS clawback for Ontarians — how it actually works, who gets hit by it, and the planning moves that keep you under the threshold.
At 71, every Canadian RRSP must convert to a RRIF, and the government takes over your withdrawal schedule. A clear, math-grounded guide for Ontario retirees: minimum withdrawal rates, the younger-spouse election, the $2,000 pension income credit, withholding tax, and what happens at death.
You get a complete, written retirement plan built only for you. It shows your year-by-year income picture, the spending you can afford through every stage of retirement, the order to draw from your accounts, the timing of CPP and OAS, and the tax you can avoid over your lifetime. It is delivered as a clear visual dashboard into your own private, secure folder you can open any time. It is a one-time, build-it-once plan, not a subscription.
No. What matters is whether the person across the table actually specializes in turning savings into retirement income, and whether the plan they build holds up under real-world pressure. Marc focuses on one thing: retirement income planning for Ontarians with real money to protect. Every plan models your taxes, your government benefit timing, and your drawdown order, then stress-tests the result against a long life and difficult markets. Judge the work by the clarity of the plan and the dollars it keeps in your pocket, not by initials.
A calculator answers one narrow question with rough averages. The Retirement Plan answers the whole question and is built on your real numbers: your accounts, your spending, your tax situation, your goals. It coordinates retirement income, tax, government benefits, and estate goals into a single coordinated plan, then pressure-tests it. A free tool can tell you roughly where you stand. This tells you exactly what to do, year by year.
It depends on your situation. The Individual plan suits one person turning savings into income. The Household plan adds spousal income splitting and a life-length stress test for couples. The Corporate and Rental plan adds corporate tax planning, salary versus dividend modelling, holding company strategy, sale of business planning, and rental property cashflow for owners and landlords. Each tier inherits everything in the tier above it. What you pay depends on which of the three ways you choose, and the prices are on this page; a corporation or rental property is quoted on the call. On your fit call we confirm what fits your situation.
The flat planning fee is published, so you do not have to book a call to find out. It is $2,000 for one person or $2,500 for a couple for the plan, $3,000 or $3,500 with your wills and powers of attorney done too (Ontario residents), and $7,000 or $7,500 for Complete, which adds the setup done with you and check-ins through the first year, all plus GST/HST. Owning a business through a corporation, or a more involved estate, is quoted on the call. A $500 deposit starts the work and counts toward the fee, and you pay the balance only after you have seen the whole plan. If you would rather I also manage the investments, the planning is included in that relationship instead. Not ready for a full plan? Start with a Plan Check, $497 + HST, credited toward the plan.
It is a straightforward conversation about your situation: what you have built, what you want retirement to look like, and where the gaps are. We look at your numbers together so you leave with a clear sense of whether your retirement is on track. If The Retirement Plan is a fit, we walk through what it includes and what it costs. If it is not, you still leave with a clearer picture. No pressure, no pitch.
Yes. The Corporate and Rental tier is built for incorporated owners and landlords. It models salary versus dividends both ways, plans corporate tax across you and your company, optimizes the Capital Dividend Account for tax-free distributions, evaluates a holding company structure, plans a tax-smart sale of the business, and works your rental property cashflow into your retirement income. It coordinates everything inside the corporation with everything in your personal plan, because the two are connected.
Book a fit call. Whether you are an individual, a couple, or a business owner, we will help you turn what you have built into a retirement that lasts.
Not ready to book? Take the 2-minute retirement quiz →
Or call me at 519-281-2735 or text 226-242-3640.