Retirement Planning

Key Benefits

('Integrated RRSP/TFSA/FHSA drawdown strategy', 'CPP and OAS optimization (when to start each)', 'Tax-efficient income splitting with a spouse', 'Annuity options for guaranteed lifetime income', 'Life insurance to cover final tax liability', 'Estate planning integrated into retirement income design')

🏗️ Engineering Your Wealth

Just like a structure needs each component working together, your investments need to be coordinated with your insurance, tax situation, and retirement goals.

I provide a full financial picture — not just one product — so every dollar works harder for you.

Common Questions

When should I start planning?

The earlier the better — but it's never too late. Even starting at 50 can dramatically improve your retirement income through strategic RRSP drawdowns, CPP timing, and insurance planning.

When should I take CPP?

You can start CPP as early as 60 (reduced 7.2%/year) or as late as 70 (increased 8.4%/year). The break-even is typically around age 74. I model the optimal age based on your health and tax situation.

What is the RRSP meltdown strategy?

Strategically withdrawing from your RRSP before 71 (before CPP and OAS) at a lower tax rate, then reinvesting in a TFSA, can significantly reduce lifetime taxes.

How does life insurance fit into retirement?

Whole life and annuities can provide guaranteed retirement income that doesn't run out — helping you spend confidently without worrying about outliving your money.

Key Benefits

🏗️ Engineering Your Wealth

Common Questions

Ready to Get Protected?