Retirement, business sales, career pivots—these moments bring both opportunity and complexity. We craft retirement strategies that bring clarity to uncertainty. Our retirement planning is about creating blueprints for security that adapt to life’s changes and keep you confident in your future.
The Art of the Living Plan
Health changes, goals shift, and priorities evolve. That’s why we design what we call a “living plan”—dynamic, flexible, and responsive. Whether you’re dreaming of traveling the world, spending more time with family, or recalibrating after unexpected challenges, we ensure your plan evolves with you. Our role is to keep your wealth working harder so your aspirations aren’t trimmed to fit your budget. Instead, your retirement plan grows and shifts to fit your vision.
Retirement Planning for Business Owners and Professionals
The best retirement plans for small business owners and high-income professionals connect every element of wealth into one clear strategy. We align pensions, RRSPs, corporate investments, taxable accounts, and estate considerations to make sure every piece fits together. That means linking retirement with corporate structures and cash flow needs. With our guidance, your retirement plan moves beyond guesswork into a system you can trust.
The Decumulation Shift
Saving takes discipline, but spending wisely in retirement requires strategy. Transitioning from accumulation to decumulation can feel daunting. Which accounts should you draw from first? How do you balance income with tax efficiency? Our decumulation strategies help you enjoy your lifestyle while preserving security for decades ahead. We specialize in pension planning, including pensions for business owners and widow pension considerations, ensuring income flows sustainably and efficiently. The result is confidence—spending freely without fear of running out.
Protecting Wealth from Tax
Taxes can erode even the best retirement plan. That’s why tax planning is foundational to our work. We integrate income-splitting, timing strategies, and corporate tools to minimize your tax bill. For small business retirement plans, we leverage holding companies, insurance, and succession strategies to maximize efficiency. For high-net-worth clients, we create structures that preserve wealth and ensure your estate is transitioned with precision.
Small Business Retirement Plans
Entrepreneurs need tailored strategies to turn their life’s work into lasting wealth. The best retirement plan for a small business owner is one that balances liquidity, income, and legacy. We help you build small business retirement plans that include diversified investment portfolios, succession strategies, and tax structures that ensure your years of hard work translate into long-term financial independence.
Investments and Income Beyond Work
Retirement doesn’t mean your investments stop working. We build portfolios that adapt to your lifestyle, risk tolerance, and goals. From preserving capital to generating income, we ensure your money continues to grow in alignment with your needs. Inflation, market changes, and lifestyle shifts are all accounted for, so your retirement strategy is always resilient.
Legacies That Last
Retirement planning goes beyond today—it’s also about the story you leave behind. We work with clients across Kelowna to build estate strategies that protect family harmony and reflect personal values. Whether through trusts, charitable giving, or intergenerational transfers, we help you create a legacy that endures.
A Trusted Partner for the Journey
We have been guiding clients since 2008 with a proactive, relationship-first approach. Many of our relationships become genuine friendships, extending beyond advice into community and life milestones. With roots in the Okanagan and experience working with business owners, professionals, and high-net-worth families, we offer both expertise and continuity.
Your retirement is about peace of mind, living with purpose, and embracing possibility. Let’s start building your plan today.