You’ve never retired before – but I’ve helped many people do it successfully.
What’s the difference between retiring with confidence and retiring with anxiety?
A real plan. One that starts early, considers every angle, and evolves with your life.
I work closely with clients to create personalized retirement plans that go beyond just investments and income. We look at taxes, cash flow, lifestyle goals — and how all these pieces fit together.
12 Months Out: Can You Retire on Your Terms?
This is where we get answers. We look at the big picture and figure out if you’re financially — and emotionally — ready to retire.
At this stage, we review your lifestyle goals—whether that’s travel, downsizing, or helping the kids—and ensure they align with your available resources.
“Clients often come in unsure whether they can retire in a year. Many are surprised to learn they’re closer than they think – it’s just about aligning their resources with the right strategy.”
You’ll walk away knowing:
- What your retirement lifestyle could really look like
- If your savings and income sources (RRSPs, pensions, CPP/OAS, TFSAs) support that vision
- The key steps to take this year to get you there
6 Months Out: Your Income Game Plan
Here’s where the real strategy begins. We stop thinking like savers and start thinking like spenders — with purpose.
You’ll receive:
- A clear drawdown strategy (which accounts to use first, and why)
- Tactics to reduce your tax bill now and in the future
- Personalized guidance on when to take CPP/OAS (hint: it’s not one-size-fits-all)
This step is critical to avoid costly mistakes and ensure your retirement income lasts for decades.
1 Month Out: Build Your Retirement Paycheque
Here, we translate the strategy into action. You’ll leave this meeting with a detailed monthly income plan — your “retirement paycheque.”
We’ll:
- Set up automated transfers and withdrawals
- Confirm your government benefits, pension start dates, and income flow
- Make sure cash reserves are ready for unexpected needs
You’ll step into retirement with a paycheque you can count on — without the stress.
3 Months After: How’s Life? Let’s Fine-Tune
Retirement is a major life change. This check-in helps ensure your plan is working and allows us to adjust your cash flow as needed. It’s about catching small problems before they become big ones—and celebrating what’s going well.
We’ll review:
- Actual vs. expected spending
- Income flow — is it too much, too little, or just right?
- Any new goals or surprises (travel plans, renovations, helping family, etc.)
“The goal here is simple: peace of mind. When clients see their paycheque continue – even if it’s from a different source – they relax and start enjoying retirement.”
After Your First Tax Return: Review and Revise
Once your first post-retirement tax return is filed, we meet again to evaluate the tax outcome and update your retirement plan accordingly.
This includes:
- Final tax implications of withdrawals
- Opportunities for income splitting
- Charitable giving or legacy planning
- Revising the drawdown for the next 12 months
“Retirement isn’t one moment – it’s a journey. Your plan should evolve as your life does, and tax planning is a huge part of that.”
We Plan for More Than Just the Numbers — We Plan for Your Life
I don’t just crunch numbers. I build relationships.
Together, we’ll create a retirement strategy that reflects the life you want to live. That includes your finances, but also your lifestyle, family, goals, health, and legacy.
It’s personal. It’s comprehensive. And it’s built around your version of success.
At Marnoa Private Wealth Counsel, our clients value:
- Structured support
- Clear communication
- A long-term relationship built on proactive planning
I don’t disappear once you retire — I stay involved to help keep your financial future on track.
Retirement is a big deal – let’s make sure you’re ready.
When we work together, you’re not just getting a financial planner—you’re getting a partner. Someone who listens, understands what’s at stake, and builds a plan with you – not just for you.
I’m here to guide you through one of the biggest financial and lifestyle transitions of your life—with calm, clarity, and a clear process that adapts as your life evolves.
You don’t need to have everything figured out. That’s what I’m here for.
Start with a Retirement Readiness Meeting at marnoa.ca
Let’s build a plan that fits your life.
Sincerely,
Tracy Andrade, CFP®, CIM®
Associate Wealth Advisor and Financial Planner
(519) 707-0050
[email protected]
marnoa.ca
