Retirement today is more complicated than ever — and more personal. Whether you’re five years away or already retired, you want to know your income will last, your taxes won’t eat away your savings, and your plan can keep up with real life.

That’s exactly what our R5 Retirement Playbook™ is built to do.

We walk you through five core areas that make the biggest difference in retirement and revisit them with you every year to make sure everything still fits.

R1 – Replace Paycheques

Create reliable income that feels like your working years without the job. 

When the paycheque stops, your bills don’t. This step is about creating consistent, predictable monthly income so you can enjoy retirement without wondering, “Am I taking too much?”

We help you:

• Choose which accounts (RRSP, TFSA, non-registered) to draw from first and why
• Set up a tax-smart withdrawal strategy that fits your lifestyle
• Decide when to take CPP and OAS based on your overall plan
• Balance guaranteed income sources with flexible ones
• Make your money feel more like a paycheque, not a guessing game

R2 – Reduce Taxes

Keep more of what you’ve saved, now and in the future.

Many retirees overpay taxes without even knowing it. We help you make smarter decisions about how and when to withdraw funds — and how to pass more on to loved ones.

We help you:

• Build a tax-efficient drawdown plan
• Minimize taxes on RRIF withdrawals and investment income
• Plan for CPP, OAS, and GIS in a way that avoids benefit clawbacks
• Use TFSAs and other tools to create more spendable income
• Plan for the long-term tax impact on your estate

R3 – Retain Lifestyle and Wealth

Live the life you want now while protecting your wealth for the future.

This step is about helping you answer two key questions: Can I afford to keep living the way I want? and Will my money last?

We help you:

• Build a personalized investment plan based on your goals and comfort with risk
• Balance growth with security — so your portfolio supports both today and tomorrow
• Forecast how long your money is expected to last under different scenarios
• Plan for major expenses like travel, home upgrades, or helping family
• Adjust spending as needed without sacrificing your core lifestyle

R4 – Reduce Risk

Protect what you’ve built and avoid costly mistakes.

Markets move. Headlines scare people. But retirement isn’t about reacting, it’s about staying steady. This step is about building in protection and keeping you from making emotional decisions.

We help you:

• Design an investment mix that matches your comfort with risk
• Build in safeguards like cash buffers or guaranteed income if appropriate
• Set up regular rebalancing so your portfolio doesn’t drift
• Avoid emotional investing mistakes that can derail your plan
• Prepare for the unexpected — from market dips to life changes

R5 – Remain Flexible and Repeat

Adjust. Adapt. Stay aligned.

Your life will change. Your goals might shift. The markets and tax rules definitely will. That’s why this final step is about reviewing your full plan every year, and adjusting it to keep everything working together.

We help you:

• Revisit and update your income, tax, and investment strategies annually
• Check in on lifestyle changes and evolving financial priorities
• Adjust for inflation, new opportunities, or unexpected expenses
• Keep all five R’s aligned so your plan works in real life, not just on paper
• Make small tweaks over time so you never need a major overhaul