Retirement isn't far.
It's just closer than you think.
Advice-only financial planning for Canadians 45–65 who want to know if they can retire, how much they can spend, and how to draw income tax-efficiently.
For pre-retirees who want clarity before small gaps turn into tax mistakes, cash-flow stress, or delayed goals.
Why many pre-retirees still feel uncertain
By your 40s, 50s, or early 60s, the issue usually is not whether you have started saving. The real issue is whether your pensions, investments, CPP, OAS, taxes, and withdrawal plan work together once paycheques stop.
Retirement income looks fine on paper, but taxes, withdrawal order, CPP/OAS timing, and inflation change the result.
Am I actually ready, or just hoping I am?
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The expensive mistakes usually happen before retirement, not after
Many households spend years building savings, then leave the biggest decisions uncoordinated: when to retire, when to draw CPP, which accounts to use first, and how to avoid avoidable tax drag. Those are planning problems, not investment-return problems.
Retiring soon is one thing. Drawing income well is another.
When should I start CPP and OAS?
Pricing
Choose the depth of clarity you need
All services delivered online, on your schedule. Flat fees, no commission, no AUM, no ongoing obligation.
Starter
Retirement Check up
$297Report within 5 business days
Detailed retirement readiness questionnaire
Written assessment across 7 planning areas
CPP & OAS education
Priority gaps identified + PDF report
Clarity
Checkup + strategy session
$597Everything in Starter
Live 75-min strategy session (virtual)
30-day follow-up Q&A by email
Implementation
$1297Everything in Clarity plus
1 structured planning session
Personalized CPP & OAS timing overview
Retirement income projection walk-through
Drawdown walk-through
90-day support
What does a retirement financial planning check-up analyze?
A retirement financial planning check-up is essentially a structured diagnostic of your entire financial picture through a retirement lens.Areas that will be reviewed :Retirement readiness snapshot
Where you stand today vs. where you need to be: projected savings at retirement, estimated income gap or surplus, and how many years your current assets are likely to last.CPP & OAS optimization
Modeling the financial impact of taking CPP at 60 vs. 65 vs. 70.RRSP / TFSA / pension inventory
A clear picture of all registered and non-registered accounts, contribution room remaining, and whether you're using each account type in the right order and for the right purpose.Drawdown sequencing
Which accounts to tap first in retirement, and in what order, to minimize lifetime taxes and maximize how long your money lasts. This is one of the most underestimated planning levers available.Tax efficiency in retirement
Income-splitting opportunities (spousal RRSPs, pension splitting), RRSP-to-RRIF conversion timing, OAS clawback risk if income is high, and how to structure withdrawals to stay in lower tax brackets.Debt & mortgage review
Whether carrying a mortgage into retirement makes sense, and how it fits into your cash flow picture post-employment.Insurance & risk gaps
Life insurance adequacy, long-term care exposure, and whether your current coverage matches your actual retirement scenario (not the one from 15 years ago when you first bought it).Estate basics
Beneficiary designations, will currency, power of attorney: flagging anything that's outdated or missing, and noting where professional legal advice is needed.Spousal / dual-income coordination
For couples, modeling combined retirement income from both partners' assets and pensions together, not as two separate plans sitting side by side.The depth of each area depends on which tier you choose. A check-up report flags the issues and priorities. The strategy session lets you work through the ones that matter most. Only a full plan builds the complete roadmap across all of them(ask for pricing).
Your retirement is being built right now, planned or not.
A 15 minute intake is all it takes to start getting clarity on where you actually stand.
If you aren't sure which tier is right for you, start with a checkup or email us your questions.Payment to be made by electronic fund transfer before delivery of analysis.
Callum Sutherland, C.F.P.
I understand this is an educational financial checkup and not a complete personalized plan, investment, tax, or legal advice. I agree to the privacy and terms of service.
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