Retirement Income Planning
Retirement income is not a single decision. It is a coordinated strategy that determines how you draw income, how much tax you pay over time, and how long your capital can support your goals.
Build an income plan designed to be reliable and tax-aware
Coordinate withdrawals across account types and corporate structures
Use advanced tools like IPPs and RCAs when they fit the objective
How retirement income planning works
The goal is to turn assets into predictable income while keeping decisions coordinated. We start with clarity on your sources of wealth, then design a strategy for withdrawals, taxation, and risk that can adapt as life changes.
Clarify income needs and timeline
Map all account and corporate structures
Design withdrawal and tax strategy
Implement and review over time
Key decision points that shape outcomes
Withdrawal sequencing and tax efficiency
The order you draw income from registered, non-registered, and corporate assets can materially change long-term taxes.
Income stability and risk management
Retirement plans should be resilient through market cycles and changing spending needs, not optimized for one scenario.
Corporate planning and integration
For business owners and incorporated professionals, corporate structure influences income, tax outcomes, and flexibility.
IPPs and RCAs
For certain high-income business owners and incorporated professionals, advanced retirement structures can create materially better outcomes than relying on standard account contribution limits alone. The right choice depends on facts, objectives, and implementation requirements.
Individual Pension Plans (IPP)
A defined benefit pension plan designed for incorporated professionals and business owners who take salary. It can allow higher contributions and a more structured retirement strategy when appropriate.
Retirement Compensation Arrangements (RCA)
A supplemental retirement vehicle that may be suitable when additional retirement savings are needed beyond registered and pension limits, with a structure designed for tax planning considerations.
Where we fit
We coordinate strategy across retirement income, investments, tax considerations, and implementation. That includes working alongside your accountant and legal advisors when advanced structures are being evaluated.
The plan is designed to be reviewed and adjusted, so it stays aligned as markets, spending, and family priorities evolve.
What success looks like
Success looks like a clear income plan that is reliable, tax-aware, and flexible, supported by an implementation approach that you can execute with confidence.
Ready to build your retirement income plan?
A short planning conversation can clarify next steps and identify where better structure and sequencing can improve outcomes.