You Saved for Thirty Years.
Now How Do You Spend It?

Everyone teaches you how to put money in. Almost nobody teaches you how to take it out. Over roughly eight hours — including two hours sitting with you — I build your complete written retirement plan: what income comes from where, in what order, and what it costs you in tax. $1,750, starting with a $500 deposit.

What you’ll receive

A complete written plan built around your accounts and your dates — not a brochure, and no obligation to invest with me.

Retirement income projected year by year
The order your accounts should be drawn down
CPP and OAS timing — and what waiting is worth
RRIF conversion at 71, and the OAS clawback
Two hours of walkthrough, so you understand it
Roughly eight hours of work in total

About the deposit. The $500 deposit secures your place in my schedule and is applied to your fee. It is not refunded if you decide not to go ahead.

You were taught to save. You were never taught to spend. Thirty years of advice told you to contribute. Almost none of it told you how to take the money back out - which account first, when to start CPP and OAS, what happens at 71, and what the tax bill looks like each year. That gap is the whole reason this plan exists. The $1,750 plan answers it in writing, with two hours to walk through it together.

"Finally, an advisor who explains things clearly and doesn't make me feel like I should already know everything. Joanne is the real deal."

Kim S. — Saskatoon, SK

Ready to begin? Place yourself in our schedule with a $500 deposit, paid securely with Helcim. Your deposit is applied to your final invoice, and refunded in full if we decide not to proceed.

Book Your Plan

Start your plan

Tell me a little to begin. After you submit you can pay the $500 deposit, and I’ll be in touch to book your walkthrough. All fields marked ✦ are required.

First Name ✦ Please enter your first name.

Last Name ✦ Please enter your last name.

City ✦ Please enter your city.

Email Address ✦ Please enter a valid email address.

Phone Number ✦ Please enter your phone number.

What would you most like answered? ✦

CPP & OAS
When to Start

Withdrawal
Order

RRIF
Converting at 71

Pension
Or Commuted Value

Tax
In Retirement

Do I
Have Enough?

Estate
What Happens After

Other

Anything you'd like us to know? (optional)

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Request received.

Thank you, . You can pay the $500 deposit on the next page. I’ll be in touch shortly to book your walkthrough sessions.

You Saved for Thirty Years.
Now How Do You Spend It?

The plan for how you actually spend it

Start your plan

Request received.

You Saved for Thirty Years.Now How Do You Spend It?

The plan for how you actually spend it

Start your plan

Request received.

You Saved for Thirty Years.
Now How Do You Spend It?