- Do I have enough money to live comfortably? What age should I be planning until?
- How will inflation and potential long-term care costs impact my retirement?
- When should we start collecting our Canada Pension Plan (CPP) and Old-Age Security (OAS)?
- What level of investment risk do I need to take on?
- How do I protect my retirement accounts against negative investment returns?
- Will my spouse be financially secure if something happens to me?
- Should I be withdrawing more than the minimum from my RRIF in order to avoid a major tax liability at death?
- How do I transfer my remaining assets to my children or grandchildren in a tax-effective way?
Financial Planning for Pre-Retirees & Retirees
Retirement is one of life’s biggest transitions - we help you navigate the financial decisions with clarity and confidence.
Questions We Commonly Address
When to Reach Out
- You’re within a few years of retirement and want clarity on whether you’re ready
- You’ve recently retired and want a clear plan for generating income
- You’re approaching age 65 and need to make decisions around CPP and OAS
- You’re concerned about your tax situation and want to structure your income more efficiently
- Your focus is shifting toward how your wealth will be passed on to the next generation
- You’re feeling unsettled about markets and want to understand if taking less risk is a viable option
These are the moments where having a plan in place can make a meaningful difference.
Your Retirement, Your Way
Retirement no longer follows a single path. Whether you want to keep working, slow down, or step away completely, having a clear plan ensures your finances support your decisions – not the other way around. And this is precisely where we support you.
Schedule a complimentary retirement planning consultation with Jeff Graham, Certified Financial Planner:
Our Compensation
Transparent & Flexible Pricing
Our fees for a retirement plan typically start at $1,800 for an individual and $2,700 for a couple. Fees will be based on complexity of the situation and what the client is wanting to achieve from the plan. An Engagement Agreement will be signed prior to any work commencing, which outlines the cost and deliverables in a fully transparent manner. Most importantly, our clients get to outline exactly they want addressed in the planning work. Retirement is not a one-size-fits-all, so we cater to the unique planning needs of each client.
There are no hidden costs and no contracts or ongoing obligations at the conclusion of the plan. Periodic support and review will be solely at the discretion of the client, with time billed at our hourly rate (currently $225).