How I work with your situation
You have the pieces. Do they fit together?
An RRSP at one bank, a TFSA somewhere else, group benefits through work, maybe an RESP for the kids. Most families have the pieces. What’s missing is someone checking that they work together.
We bringing it all into one written plan.
What we need to get started
01
Statements from all your accounts — RRSP, TFSA, non-registered, anything else
02
Any insurance policies you own
03
Your group benefits booklet from work
04
A rough sense of when you want to retire and how much you think you need
05
Your tax preparer contact info if you want us to loop them in
You don't need to have it all or share it all to contact us.
Why this matters
Without a single plan, you’re making decisions in isolation. “Should I max my RRSP?” gets answered without looking at your TFSA strategy, your tax bill, or your retirement timeline.
What we work on
Starting conversations
THE outcome
A one-page written snapshot of where you stand, what you're on track for, and what needs attention.
THE strategy
List every account, investment and policy. Work out your net worth, model your retirement at today's spending, run an insurance needs analysis and add up your fees.
THE PROBLEM
You know roughly what you have but have never added it up. You're not sure you're on track for retirement, whether your insurance fits your needs, or what you're paying in fees.
THE outcome
Your accounts work together instead of separately, and you know the order you'll draw from them.
THE strategy
Decide which dollars belong in which account for your household, model how different withdrawal orders affect your tax in retirement, and coordinate timing with your accountant.
THE PROBLEM
You contribute to an RRSP, but your spouse has unused room. You have non-registered savings but no tax plan for selling. You have no order for drawing from each account in retirement.
THE outcome
You know your number, when you can realistically stop, and whether your savings rate gets you there. We update it every year.
THE strategy
Start with what you spend now, take out what will stop (commuting, the mortgage) and add what will start (travel, hobbies). Test it against your savings, CPP, OAS and different market conditions.
THE PROBLEM
You want to retire "around 60" or "when the kids are done," but you've never put a number on it. You don't know how much you'll be able to spend.
Questions worth asking.
Questions worth asking
At least once a year, and more often in the years before retirement or after a big life change. Between reviews, you can call or email anytime, and I'll reach out too.
That's when a written plan matters most. Job loss, inheritance, separation: we update the plan, see what changes and decide from there.
Now, whatever your age. At 30 you're building the first plan, at 45 you're checking you're on track, and at 60 you're planning the drawdown. One written plan helps at every stage.
The gap most families face
You have a plan. It’s just scattered.
An RRSP at one bank because you opened it years ago. A TFSA somewhere else. Some investments with one advisor, insurance with another. Nobody has the whole picture.