The decade before retirement decides how much you keep, how long it lasts, and what your family is left with. Whatever your situation, those questions are the same — and I plan the answers with your taxes built in.
Most of the money questions that actually change an outcome land in a narrow window — roughly the decade before 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 why I plan your taxes and your retirement together.
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.
What everyone has in common are the decisions on the right. Each one comes up once, is hard to undo, and the right answer depends on your whole picture — your taxes, your family, and how long the money needs to last. My job is to look at all of it together, so each decision is made on purpose, not by default.
This is the most critical planning window. CPP timing, RRSP drawdown and income strategy can make or break your retirement. Start here if that’s where you are.
Start here →Professionals, business owners, engineers, trades, women, inheritance, caregivers, retiring abroad — each one changes how your plan gets built. Find the one that fits you.
See all situations ↓Click a group to see how we plan so the money lasts in that situation.
Running your own corporation? Salary vs. dividend, retained earnings, PHSPs, and succession planning — we help you keep more of what you earn.
Learn more →Self-employed or running a small operation? We help you separate personal and business finances, plan for taxes, and build toward retirement.
Learn more →Boom years, then a layoff. Per diems, rotations, and a body on a clock. We bank the high years so the money still lasts through the next downturn — and after you leave the site.
Learn more →Union pension, slow season, tools, and a trade your body won’t do forever. We show what the pension actually pays and build the rest so you can step off the job before the job steps off you.
Learn more →High salary or partnership draw, not a corporation yet. Top-bracket tax, a short peak-earning window, and a retirement that has to last as long as you do — we plan the drawdown before the paycheque stops.
Learn more →Women face unique financial challenges — career gaps, longevity risk, and the wage gap. We specialize in helping women take control of their financial future.
Learn more →Expecting an inheritance? Unexpected or planned, this is a highly sensitive and significantly important time to plan and handle affairs.
Learn more →If something happens to you, does your partner actually inherit? We set beneficiaries, wills, and CPP survivor rights so the money lasts for the people you chose — not the relatives the law assumes.
Learn more →Caring for a loved one with a disability? You may be entitled to thousands in tax credits. We offer a free DTC eligibility review.
Learn more →Leaving Canada? We provide integrated tax and investment planning before departure and ongoing tax compliance support after you become a non-resident.
Learn more →Not sure which one you are? Most people are more than one. The exploratory call sorts it out in 20 minutes.
Book a free 20-minute exploratory call — no pressure, no jargon, just an honest conversation.