CPP timing, RRSP drawdown, the order you spend from — these are decisions you make once, and they set how much of your money you keep. Your accountant files your taxes. Your advisor picks your investments. I do both, so the plan and the tax bill are built together.
Most of the money questions that actually change an outcome land in a narrow window — roughly the decade on either side of the day you stop working. When to take CPP. Which account to draw from first. What to do with the corporation, the rental, the pension option you only get to choose once. Get those right and the same savings last considerably longer.
That is the work I do best, and it is why I keep both hats on. Your accountant files the return after the year is over. Your advisor picks the investments. When the plan and the tax bill are built by the same person, the two stop working against each other.
Everyone arrives at that window carrying something specific — a professional corporation, a trade, an inheritance, a spouse who has never handled the money, a parent who now needs care. The retirement question does not change. The route to it does.
Within ten years either side of retiring. CPP timing, RRSP drawdown, the order you spend from, and what the tax bill looks like once the paycheque stops. Start here if that is where you are.
Start here →Business owner, professional, engineer, tradesperson, widow, caregiver, newcomer, retiring abroad — ten situations that change how the plan gets built. Find the one that fits you.
See all situations →Not sure which one you are? Most people are more than one. The exploratory call sorts it out in twenty minutes.
Book a free 20-minute exploratory call — no pressure, no jargon, just an honest conversation.