Retirement & Cash Flow Planning

Planning for the Life You’ve Earned

Retirement planning is fundamentally a cash flow challenge — and most people don’t fully appreciate how complex it is until they’re in it. When does CPP start? How do you sequence drawdowns from registered and non-registered accounts to minimize tax? How much is safe to spend each year? What happens to your plan if markets decline early in retirement?

These are not questions with simple answers. They require detailed modelling, disciplined assumptions, and regular recalibration as your life and circumstances evolve. That’s exactly what we build for every client.

Comprehensive Retirement Projections

We construct detailed, multi-decade cash flow models that account for your income sources — employment income, business income, CPP, OAS, pension benefits, rental income, and registered account drawdowns — and map them against your expected expenses, tax obligations, and inflation. You’ll see not just whether you can retire, but when, at what spending level, and with what degree of confidence.

Drawdown & Income Sequencing Strategy

One of the most significant — and most frequently missed — opportunities in retirement planning is the order in which you draw down your assets. The difference between an optimal and a suboptimal sequencing strategy can be worth hundreds of thousands of dollars in after-tax lifetime income. We model this explicitly and build a year-by-year income roadmap tailored to your situation.

Government Benefit Optimization

CPP and OAS timing decisions are permanent and consequential. We analyze the optimal deferral strategy for each client based on health, longevity assumptions, other income sources, and tax implications. Small decisions here can have outsized long-term impact.

What We Cover

• Multi-decade cash flow projections — pre- and post-retirement
• Retirement readiness analysis: when you can retire, and at what spending level
• CPP and OAS deferral optimization
• RRSP/RRIF drawdown and meltdown strategies
• TFSA optimization throughout retirement
• Registered vs. non-registered drawdown sequencing
• Tax-efficient income generation in retirement
• Defined benefit pension analysis and integration
• Spousal income splitting and pension income splitting
• Stress testing: longevity, inflation, and market scenarios
• Estate value projections alongside retirement income planning