For public sector & pension members
Pension integration, done properly.
A defined benefit pension is one of the best assets you can hold, and one of the most under-planned. I started my career inside a major Canadian pension plan. I know how the math works, and I'll help you get every dollar coordinated with the rest of your wealth.
The reality
Sound familiar?
- Your pension statement is a fortune cookie, a single number with no context.
- You're not sure when to retire to maximize your pension factor.
- CPP at 60, 65, or 70? OAS clawbacks? RRSP conversion? It all interacts, but no one's modelling it.
- Your spouse may have a different income picture, and survivor options need a real decision.
- You're carrying RRSPs, TFSAs, and maybe a non-registered account that nobody's coordinated.
Who this is for
Members of major Canadian defined benefit plans, OMERS (municipal), OTPP (teachers), HOOPP (healthcare), PSPP, and federal plans, who are within 5–15 years of retirement and want a real plan, not a brochure.
Couples especially benefit, since pension survivor options and CPP timing decisions need to be made together.
What's included
Your full retirement income picture, in one plan.
- Defined benefit pension analysis (OMERS, OTPP, HOOPP, PSPP, federal)
- Pension factor & retirement-date optimization
- Bridge benefit and survivor option decision support
- CPP and OAS timing analysis with clawback modelling
- RRSP-to-RRIF conversion strategy
- TFSA, non-registered, and corporate income coordination
- Tax-efficient withdrawal sequencing for life
- Estate planning aligned with pension survivor options
Let's talk
Ready for a conversation?
Bring your most recent pension statement to a 20-minute Intro Call. We'll talk through what it actually means and where the planning gaps are.