Retirement today isn’t what it used to be. People are living longer, everything gets more expensive, markets are unpredictable, and tax rules keep changing.
That’s why we created the R5 Retirement Playbook™ — a simple, six-part process to help you build income you can count on, reduce taxes, protect your lifestyle, stay flexible, and feel confident through every stage of retirement.
Whether you’re five years from retirement or already there, the R6 Playbook gives you a clear path forward.
R1 – Replace Paycheques
Build income that feels like your working years — without the job.
When the paycheque stops, your bills don’t. You still need steady, reliable income to fund your retirement life.
This step is all about creating a monthly income you can count on — using your RRSPs, pensions, TFSAs, and other savings.
We’ll talk through what matters most, like:
• Which accounts to tap into first (and why)
• How to set up a withdrawal plan that fits your lifestyle
• When it might make sense to start CPP or OAS
You worked hard for your money. Now it’s time for it to work for you — with a plan that feels stable and stress-free.
R2 – Reduce Taxes
Keep more of what you’ve saved — and grow what you leave behind.
No one wants to overpay the CRA. But it happens all the time.
With the right plan, you can keep more of what you’ve earned — and pass more of it on.
We’ll help you:
• Pay less in taxes now
• Build a tax-efficient investment plan
• Get more spendable income
• Leave more to the people you care about
Tax planning isn’t just a one-time thing. It’s a key part of making your money last and creating a legacy that lasts too.
R3 – Retain Lifestyle and Wealth
Live the life you want now — and protect your future.
This step helps you answer two big questions:
• Can I keep living the way I want?
• Will my money last?
We build an investment strategy that supports your lifestyle today, while helping your wealth last through the years ahead. It’s a balance of safety and growth — based on your goals, timeline, and comfort with risk.
Because retirement should feel secure, not stressful.
R4 – Reduce Risk
Protect What You’ve Built
You’ve worked too hard to let one wrong move throw things off course.
This step is about protecting your income, your investments, and your peace of mind.
We’ll help you:
• Build in smart safeguards without giving up growth
• Choose investments that match your comfort with risk
• Avoid emotional money moves
• Keep your plan steady — even when the headlines aren’t
R5 – Remain Flexible
Because life has a way of changing plans.
Unexpected costs. Helping family. A dream you want to chase.
No retirement plan survives untouched. That’s why we build in flexibility — and stay in touch.
With regular strategy sessions and a proactive mindset, we help your plan adjust when life does. So you stay on track, no matter what comes up.
Why the R5 Retirement Playbook™ Works
- Built specifically for those getting ready to retire or already retired
- Focuses on real-life outcomes: income, tax savings, flexibility
- Simple, clear, and easy to adjust as life changes
- Helps avoid big mistakes like overpaying tax or running out of income
- Designed to give you peace of mind — not a pile of paperwork
Ready to See the R5 Retirement Playbook™ in Action?
If you’re within five years of retirement — or recently retired — and want a clear plan built around your life, we’re here to help. We specialize in helping build tax-smart, income-driven retirement strategies you can actually understand — and stick with.
For more information, refer to Preserving Wealth: The Next Generation – The definitive guide to protecting, investing, and transferring Wealth by Jack Lumsden, MBA, CFP® or schedule a call with Jack at 905-332-5503
What To Do Next
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Book your complimentary Retirement Road Map session.
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Let’s make retirement feel simple, clear, and doable.
The opinions expressed are those of the author and not necessarily those of CI Assante Wealth Management Ltd. Please reach out to Jack Lumsden, MBA, CFP®, to discuss your circumstances before acting on the information above.
Insurance products and services are provided through Assante Estate and Insurance Services Inc.
CI Assante Wealth Management Ltd. operates as CI Assante Wealth Management, a dual-registered firm offering investment, mutual fund, and exempt-market products and services.
Wealth Planning services may be provided by an accredited advisor of CI Assante Wealth Management or CI Assante Private Client (a division of CI Private Counsel LP) and in some cases, by a non-affiliated third party. Insurance products and services are offered through Assante Estate and Insurance Services Inc.