We'll crush confusion and give you clarity in 90 days or less.
Our proven process takes the guesswork out of your retirement.
So that you can spend with confidence knowing that you can thrive even in uncertainty, you’ve earned it.
We Craft Unbiased Financial Plans For a Flat Fee
Custom Solutions Made By CFP Professionals
Pay a Single Fixed and Transparent Fee
You've worked hard and saved well, but you're still unsure about retirement.
Too many Canadians struggle to get clarity with their retirement picture…
because they incorrectly assume that the investment strategies which allowed them to accumulate wealth, also apply when it’s time to live off their savings.
Strategies for wealth accumulation and decumulation are not the same.
The next 30 years of your life won’t look like the previous 30.
Are you struggling to answer the following?:
- What Income Can I Spend In Retirement?
- Will I Run Out Of Money?
- When is the best time to take CPP ?
- Which Account Do I Withdraw From First?
- When is the best time to take OAS ?
- Do I Have to Worry About OAS Clawbacks?
- Do I Qualify For GIS?
- When Should I Take My Defined Benefit Pension?
- When Should I Withdraw From My RRSP/RRIF?
Isn’t it time to get some clarity?
Calgary-Based Fee-Only-Financial Planner
I help hardworking, everyday Canadians design and live their dream retirement.
Hervin Pesa, BA,CFP,RRC
You Need a Fee Only Retirement Plan If You're Looking For:
Fixed and Transparent Fee
Our Commitment to you
You First: We'll act in integrity and in your best interest.
Won't be Yes People, We will tell it to you straight, good or bad.
Your priorities are ours too. We will celebrate your success together.
Your plan is tailored to you, it won't fit anyone else.
No guesswork, we'll always base our answers on your plan.
Products ≠Advice: We'll never push products.
Our Network, is your network. We will always provide access to our trusted pros.
We'll help you mute the noise.
No Hidden Fees.
Walk with you: If you choose to, our full service model will help you stick to your plan, even if it's not easy.
What's Included In My Retirement Income Plan?
Your situation is unique to you, your family and your ideal retirement. However, every single plan we create covers the following:
- Retirement Income Planning: We calculate what lifetime income you can expect to receive without running out of money
- Investment Planning: Investing while drawing down your assets can get complicated, we help you avoid mistakes.
- Tax Minimization Strategies: Reduce taxes while staying compliant. We help you keep more of your money so you can live the life you want.
- Risk Management: Life is full of uncertainties, we will help you retire without being crippled by fear.
- Estate Simplification: We create a plan that streamlines your estate so your kin maximize the gifts you leave behind.
Click each tab to learn more.
How Do You Know You're Ready To Retire?
Use Our Retirement Greenlight Assessment
This free guide will get you thinking about retirement the right way so that you can avoid costly mistakes. You only get one true retirement, make sure you don’t live with regrets.