Retirement is a series of big decisions about work, lifestyle, family, and how to actually use the wealth you have built. You want the freedom to enjoy it without wondering, every few months, if you are still on track.
At the Vanno Ort & Paul Jarvie team, retirement planning is where everything comes together: your companies, pensions, investments, tax strategy, and estate plan.
Retirement planning that connects your whole picture
You do not live your financial life in pieces, so we do not plan in pieces. Our team gets to know you, personally and business-wise, then works closely with your accountants, lawyers, and pension providers.
That means your retirement planning, pension planning, tax strategy, and estate work all talk to each other. RRSPs, TFSAs, corporate investments, holding companies, defined benefit or defined contribution pensions, stock plans: everything is mapped to one intentional, long-range strategy.
You see how each decision today affects the income, flexibility, and legacy you want later.
The decumulation question: how do you actually spend this?
You have spent decades in “build mode.” Shifting into decumulation can feel uncomfortable. How much is safe to spend? Which account first? How do you make room for travel and generosity without worrying about impacting other parts of your plan?
We build a practical, math-backed spending plan that translates your investments into reliable income. Together we decide how to blend pensions, RRIFs, corporate cash, non-registered accounts, and TFSAs so you can enjoy your lifestyle today while still protecting tomorrow.
And because we use an integrated, diagnostic-to-ongoing-care process, we revisit your numbers regularly and adjust as markets move, tax rules change, or life throws you a curveball.
Retirement plans for business owners
If you are a business owner, “retirement” is often tangled up with succession and sale decisions. Your company might be your largest asset. It might also be your biggest question mark.
We bring serious depth for business owners and incorporated clients, helping you design small business retirement plans and retirement plans for business owners that actually reflect how your wealth is structured. That can include:
- Planning the timing and structure of a business sale or internal transition
- Coordinating salary, dividends, and corporate investing before and after retirement
- Using holding companies and insurance to create future income and manage tax
- Aligning your exit plan with your estate and wealth transfer strategy
A living plan
Your retirement plan should evolve as quickly as your life does. New grandchildren, a health event, a real estate decision, helping adult children, changing travel plans…every shift deserves a fresh look. We treat retirement planning as an ongoing relationship. You get clear updates, plain-language explanations, and a team that already understands your full picture, so adjustments feel easy.