Retiring Soon? Already Retired?
Retiring Soon?
Already Retired?
Let’s build a plan that gives you clarity and confidence for what’s next.
We help Canadians 55+ turn their savings into reliable income, reduce taxes, and protect what they’ve worked so hard to build.
No pressure. Just a simple starting point to see where you stand.
Retirement Planning for CanadiansOver the Age of 55
✓ Reduce Taxes ✓Maximize Income ✓Invest Smarter ✓Preserve Wealth
How Close Are You to Retirement?
Getting Ready to Retire?
Wondering things like:
- Am I actually ready? How do I know if I can afford to retire?
- What’s the best way to turn my savings into steady income when the paychecks stop?
Already Retired?
Still asking yourself?
- How do I stay on track with spending and income in retirement?
- What’s the smartest way to handle market ups and downs—and taxes—now that I’m living off my investments?
How We Can Help?
“To me, the people and dreams behind the figures matter the most.”
Jack Lumsden, MBA, CFP® Financial Advisor,
CI Assante Wealth Management Ltd. Burlington ON
Which Retirement Experience Resonates with You?
Transitioning to Retirement
Consistency in Retirement
A Perspective on Risk
Download your FREE COPY of our recently published Book PRESERVING WEALTH: THE NEXT GENERATION
The Definitive Guide to Protecting, Investing, and Transferring Wealth.
You can purchase a Hard Copy of Preserving Wealth HERE
Download Your FREE copy of our White Paper: ‘Your Retirement Road Map: How to Make the Transition to Retirement’ HERE
Retirement Planning Services
Retirement Planning
Developing a retirement plan that capitalizes on the opportunities of today is all well and good, but true planning comes from having a strategy that can adapt and is sustainable over the long term. Retirement planning is more than investments. Learn More >
Financial Planning
Financial planning takes a holistic, big picture view of you, your lifestyle, and your financial needs and priorities. Without this broad approach, it’s like trying to see out a window with the curtains half-closed. You need the full view to understand and make the right decisions about every aspect of your finances. Learn More >
Tax Planning
It’s a fact of life in this country; the more you have, the more you have to pay in taxes. Working with professionals during your tax planning process can help as we are adept at keeping more of your money in your pocket, because that is where it belongs. Learn More >
Insurance & Risk Management
Don’t think of it as just the safety net for your wealth management plan (nice to have in place, just in case). These days, insurance planning can also be designed to meet specific investment and estate planning objectives. Learn More >
Estate Planning
Estate planning is a very important component to Strategic Wealth Planning for our clients. We work with our clients to make sure that not only can they leave a lasting legacy, but can assist to develop an effective estate transfer plan to reduce taxes and fees to maximize the value of their estate. Learn More >
Investment Planning
When putting together an investment plan, be rest assured that our goal is to work with clients to prepare a prudent investment strategy based on your objectives, income & retirement income requirements and risk tolerance. Then we will implement it consistently and carefully, with a broad range of best in class products and services. Learn More >
Retirement Planning For A Stronger Future
Planning for your financial future is more than just looking at numbers.
As a CI Assante Wealth Management Ltd., Financial Advisor, I can help you gain peace of mind and achieve your dreams for the future. Whether it’s a worry-free retirement, saving for your children’s education, fulfilling a lifelong ambition, running a prosperous business or leaving a legacy to your loved ones or a cherished cause, I can work with you every step of the way.
Common Retirement Planning Questions Answered Through the R5 Retirement Process™
Deciding whether to retire fully, delay retirement, or phase into retirement is one of the most important financial and lifestyle decisions you will make. Through R1 – Replace Paycheques, we first determine whether your income sources can support your desired lifestyle without employment income.
Then, through R3 – Retain Lifestyle and Wealth and R5 – Remain Flexible, we review whether part-time work, consulting, or a gradual transition could reduce portfolio withdrawals, lower stress, improve tax planning, and give you more freedom to adjust. Retirement does not have to be an all-or-nothing event; for many Canadians, a phased retirement can provide both financial confidence and lifestyle flexibility.
Once you stop working, your paycheque does not automatically continue — it has to be created from your financial assets. Through R1 – Replace Paycheques, we coordinate your retirement income sources, which may include CPP, OAS, pensions, RRSPs, RRIFs, LIFs, TFSAs, non-registered investments, rental income, company savings plans, or corporate assets.
The goal is to turn these different pieces into a reliable monthly cash-flow strategy that supports your lifestyle. This may include a bucket strategy, systematic withdrawals, tax-efficient account sequencing, and annual reviews to make sure your retirement income remains sustainable.
Reducing taxes in retirement is not about one single tactic; it is about coordinating all sources of income over time. Through R2 – Reduce Taxes, we look at which accounts to draw from first, when to start CPP and OAS, how to manage RRSP and RRIF withdrawals, whether pension income splitting applies, and how non-registered investments can be structured more tax efficiently.
The goal is to increase your after-tax income, reduce avoidable tax, and help preserve more capital for your lifetime and possibly the next generation. A well-designed retirement tax strategy can help reduce unnecessary tax today, while also planning for future estate and legacy needs.
No retirement plan can eliminate market risk, but a well-designed plan can help prepare for it. Through R3 – Retain Lifestyle and Wealth, we build an investment strategy designed to provide income today while still allowing for long-term growth to help offset inflation.
Through R4 – Reducing Risk, we stress test the plan for market declines, sequence-of-return risk, inflation, and unexpected withdrawals. This may include maintaining short-term cash reserves, using a diversified portfolio, rebalancing regularly, and adjusting withdrawals when necessary. The objective is not to predict every market event, but to create a plan that can adapt when markets are difficult.