Financial Planning
A Plan for Every Stage, Including Retirement
Your investments are one part of the picture. A financial plan ties them to your cash flow, taxes, family goals and the retirement you want, so every decision is made with the whole picture in view.
Retirement Planning
Know When You Can Retire and How Much You Can Spend
We model your retirement income year by year, then decide which accounts to draw from and when, so your savings last and less of your income goes to tax.
- Retirement income projections under different market and spending scenarios
- CPP and OAS timing, and managing the OAS clawback
- RRSP-to-RRIF conversion and the order of withdrawals across RRIF, TFSA, non-registered and corporate accounts
- Pension decisions, including commuted value versus monthly pension
- Pension income splitting with your spouse
- Drawing retirement income from your corporation
What Your Plan Covers
Net Worth and Cash Flow
A clear picture of what you own, what you owe and where your money goes each year, across every account and entity.
Personal Tax Planning
Spousal RRSPs, TFSA strategy, timing of capital gains and charitable giving, coordinated with your accountant.
Education Planning
RESP contributions and grants for children and grandchildren.
Major Decisions
Buying or selling property, helping children financially, selling a business or taking a sabbatical, tested against your plan before you commit.
Risk and Insurance
Coverage reviewed against what your family would actually need if something happened to you.
Estate Readiness
Wills, powers of attorney and beneficiary designations reviewed with your lawyer so they match the plan.
Questions We Help You Answer
Can I retire at 60?
And what would it take to retire sooner, or to spend more once you do?
When should I take CPP?
Taking it early or late can change your lifetime income significantly.
How much can I give my children now?
Help with a home or education today, without putting your own retirement at risk.
What happens if markets fall?
We test your plan against bad years so you know how much room you have.
How Planning Works
- 1
Your Numbers
We gather your accounts, pensions, corporate financials, insurance and estate documents.
- 2
Your Scenarios
We model your plan and the choices in front of you, then walk you through the trade-offs in plain language.
- 3
Updated Each Year
Your plan is reviewed every year, and whenever your life, the tax rules or the markets change.
Find Out Where You Stand
Start with a retirement and net-worth review. You'll come away knowing whether you're on track and what to change if you're not.
Financial planning services are provided through [OPERATING COMPANY NAME], an independent company separate from Aligned Capital Partners Inc. We do not provide tax or legal advice; we work with your accountant and lawyer.