Special Services

Retirement Review
When you are preparing for retirement, we take a snapshot of your present situation, prepare projections of your expected income and expenses throughout retirement, and help you understand how much you need to save and invest, without exceeding your ability, willingness or need to take risk.

When you are getting ready to retire, we can help you choose the right options for pension and government benefits, and to decide when and how to draw money from your non-registered, RRSP and TFSA accounts to minimize taxes and government clawback.

If you are already retired, creating sustainable, tax-efficient income remains the goal, adjusting as RRSPs are converted to RRIFs, and protecting lifestyle as you age, lose your spouse or partner, or face diminished capacity to handle your affairs.

Will and Estate Review
When it is properly structured, your estate plan can reduce the taxes and expenses of your estate, simplify and speed up the transfer of assets to your heirs according to your wishes, create a legacy, and protect your beneficiaries. Our comprehensive estate review process is multi-disciplinary, bringing together experts to help you define your objectives and to plan for incapacity and passing on your wealth to the next generation.

Planning at Milestones and Transitions
A sudden change in your financial situation can be a life-altering event. Whether it's a windfall or a setback, it can take time, knowledge, and a change in mindset to weather the transition successfully. By definition, a transition is not a permanent event, but a passage from what was to a new normal. As you adjust to your new circumstance, decision-making can be driven not only by financial considerations, but also by psychological, emotional and social realities.

Many clients come to us for the first time when they face a major life change. Common occasions include:

  • Personal events, such as marriage, separation, divorce, disability or a death in the family
  • Work-related events such as career or job change, severance or early retirement packages, business start-up or business succession, retirement
  • New or sudden wealth, such as an inheritance, insurance payout, legal settlement, signing bonus, winning the lottery or the sale of your business

Our transition-planning process can help you make good decisions that last a lifetime.