The Situation
Lois and Mark had already retired. They had built successful careers, accumulated meaningful wealth, and felt confident they had enough. But “enough” wasn’t the same as clarity.
As they moved into retirement, new questions began to surface.
- How should their different income sources work together?
- Were they paying more tax than necessary?
- Was their plan structured to last over time?
They weren’t worried about whether retirement was possible. They wanted to know their plan was structured properly.
What Needed to be Solved
Their financial life had become more complex over time.
Mark had a mix of pension income, investment accounts, and accumulated assets. At the same time, Lois was preparing to sell her business, introducing new tax considerations and decisions around how to structure the proceeds.
Each piece mattered, but how those pieces worked together mattered even more.
They needed:
- A clear, coordinated income strategy
- A plan to manage taxes across multiple sources
- Confidence that their retirement income would be sustainable
- A structure that could adapt as life evolved
How We Helped
We worked with Lois and Mark to build a coordinated retirement plan designed to simplify decisions and support long-term outcomes.
Together, we:
- Designed a tax-efficient income strategy across pensions and investments
- Coordinated income timing to reduce lifetime tax
- Structured their investment portfolio to support consistent income
- Integrated CPP and OAS into their overall plan
- Collaborated with Lois’s CPA to structure the sale of her business efficiently
Rather than treating each decision separately, we focused on how everything worked together, today and over time.