🇨🇦 Licensed in Ontario, Canada
📞 (647) 995-5891
W
I
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Wisdom · Integrity · Zeal

Retire on your terms,
not theirs.

A retirement plan isn't just savings — it's strategy. I'll help you build income that lasts a lifetime.

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

💡 How I Approach Your Plan

Every financial decision you make affects the rest — your insurance, taxes, investments, and retirement all need to work together. I look at the full picture, not just one product.

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.
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