A secure retirement doesn't happen by accident. It requires a plan built around your life, your timeline, and the unique complexities of living or working across the Canada–US border. We build that plan — and manage it with you, every step of the way.
From accumulating wealth to distributing it tax-efficiently in retirement — we cover every phase of your financial journey.
A written, personalized retirement plan covering your target retirement date, savings targets, expected income sources, lifestyle expenses, and strategies to bridge any gaps.
Maximizing your registered accounts — RRSP contribution room, spousal RRSP strategies, TFSA investment choices, and the optimal sequence for contributions and withdrawals.
Designing a tax-efficient income stream in retirement — blending RRSP/RRIF draws, CPP, OAS, non-registered investment income, and corporate dividends to minimize lifetime tax.
Determining the ideal age to start CPP and OAS — factoring your health, other income, break-even analysis, and whether deferral to age 70 makes financial sense for your situation.
Planning the mandatory RRSP-to-RRIF conversion (by age 71) — with optimal drawdown strategies to avoid OAS clawbacks and minimize the tax impact of minimum withdrawals.
For business owners — using your corporation as a retirement savings vehicle through the strategic timing of salary, dividends, and retained earnings drawdowns in retirement.
A written investment policy statement defining your goals, risk tolerance, time horizon, asset allocation targets, and the benchmarks we'll use to measure performance.
Building a diversified portfolio across equities, fixed income, real estate, and alternatives — balanced for your risk profile and optimized across your registered and non-registered accounts.
Placing investments in the right accounts — interest-bearing assets in registered accounts, Canadian dividends in non-registered accounts, and US equities managed for treaty withholding efficiency.
Regular portfolio reviews — at minimum annually — with rebalancing to maintain target allocations as markets move and your life circumstances evolve.
Strategically realizing capital losses in non-registered accounts to offset capital gains — reducing your current tax bill without compromising your long-term investment strategy.
Clear, consolidated reporting across all your accounts — registered, non-registered, Canadian, and US — so you always see the complete picture of your wealth.
Coordinating Canadian RRSPs and US 401(k)/IRA accounts under the Canada–US Tax Treaty — including deferral elections, contribution strategy, and tax-efficient withdrawal sequencing across both.
Managing the interaction between Canadian CPP/OAS and US Social Security for cross-border individuals — including Totalization Agreement benefits and Windfall Elimination Provision planning.
Managing retirement income in both CAD and USD — FX strategy, cross-border banking optimization, and currency risk management to protect your purchasing power in retirement.
For Canadians spending extended time in the US — managing the 183-day substantial presence test, treaty tie-breaker rules, and the investment implications of split-residency retirement.
Advising on pension transfer options when relocating — Locked-In Retirement Accounts (LIRA), pension commutations, and portability of defined benefit entitlements across borders.
Planning for US vacation property owned by Canadian retirees — rental income treatment, estate tax exposure, and exit strategies to minimize withholding on sale proceeds.
Understanding how each account works — and where it fits in your plan — is the foundation of tax-efficient wealth accumulation.
Registered Retirement Savings Plan
High earners in peak earning years
Tax-Free Savings Account
All Canadians — especially lower income years
US Employer Plan / Individual Retirement Account
US-based employees with employer plans
Taxable Investment Account
After all registered room is maximized
Retirement planning looks different at 30 than it does at 55. We meet you where you are — adapting the strategy as your income, family, and goals evolve over time.
A 30-year-old saving $500/month at 6% average return accumulates approximately $1,000,000 by age 65. The same saving starting at 45 produces roughly $250,000. Time is the most valuable asset in retirement planning — we help you use it wisely.
Start RRSP & TFSA contributions, establish emergency fund, create an investment policy, begin compound growth. Focus on maximizing employer matches and debt elimination.
Peak earning years — maximize registered contributions, consider corporate retained earnings strategy, optimize tax-sheltered growth, review asset allocation regularly.
Shift to capital preservation, finalize CPP/OAS timing decisions, plan RRSP drawdown strategy, model retirement income scenarios, review risk exposure in portfolio.
Begin CPP/OAS (or defer), activate retirement income plan, start RRSP/corporate drawdowns, manage OAS clawback thresholds, convert RRSP to RRIF by age 71.
Mandatory RRIF minimum withdrawals, manage longevity risk, integrate with estate plan, optimize wealth transfer to heirs through TFSA and non-registered strategies.
Retirement planning done in isolation from your taxes, corporate structure, and estate plan is incomplete. We see the whole picture — and plan across all of it.
Your retirement plan connects directly to your tax filings, corporate structure, and estate plan — so every decision is made with the full financial picture in view, not in silos.
We understand both Canadian and US retirement systems — RRSP deferral elections, treaty-based Social Security treatment, and the interaction between CPP and US pension income.
A single professional who knows your entire financial life — your income, your assets, your goals, and your family — providing consistent advice over decades, not just one-off recommendations.
Every investment recommendation is filtered through a tax lens — because the after-tax return is the only return that matters. Asset location, account types, and withdrawal sequencing are always tax-optimized.
Life changes — income, family, health, markets, and legislation all evolve. We review and update your retirement plan annually to keep it aligned with where you actually are.
Not sure if you're on track? We'll review your current savings, projected income, and retirement timeline — at no charge — and show you exactly where you stand.
Book a Free ReviewEngagements tailored to your life stage and complexity. All packages include an annual review and plan update.
For individuals in their 20s–40s building the foundation of their retirement savings.
For individuals 10–15 years from retirement who need a detailed, tax-integrated income plan.
For individuals with retirement accounts, pensions, or residency considerations in both Canada and the US.
Retirement planning involves decisions that will shape decades of your life. Here are the questions we hear most often — and we're always available to talk through yours.
Ask Us AnythingWhether you're just starting out, approaching retirement, or navigating a cross-border situation — we build a retirement plan that fits your real life, integrates with your taxes, and adapts as you grow.
