Comprehensive planning that ensures your retirement is funded on your terms — and that your wealth continues to serve your family long after you do.
We build a detailed, multi-decade model of your retirement income — accounting for CPP, OAS, RRSP/RRIF withdrawals, investment income, and potential part-time work. The goal is to identify the exact savings rate and investment return required to retire on your terms, not a generic benchmark.
The transition from accumulation to distribution is the most tax-critical phase of your financial life. We design withdrawal strategies that minimize lifetime tax — sequencing withdrawals from TFSA, RRSP/RRIF, and non-registered accounts to optimize your after-tax income in retirement.
Your estate plan is not just a will. It is a comprehensive structure that determines how your assets transfer to the next generation — with minimal tax, maximum efficiency, and according to your exact wishes. We coordinate with estate lawyers to ensure your financial structure and legal documents are aligned.
For clients who wish to leave a meaningful financial legacy — to family, community, or charitable causes — we design structures that maximize the impact of your generosity while minimizing the tax cost. This includes charitable giving strategies, donor-advised funds, and life insurance as an estate-building tool.
"Retirement planning is not about saving enough. It is about designing a withdrawal architecture that sustains your lifestyle, minimizes your lifetime tax bill, and leaves something meaningful for those who come after you."
— Wallace Wang, CFP®