We help Ontario retirees and pre-retirees with $250,000+ in investable assets coordinate their investments, retirement income, and tax-efficient withdrawal strategies.
Coordinate RRIF, TFSA, and non-registered account withdrawals to help reduce unnecessary taxes and preserve more of your retirement savings.
Manage your investments with a strategy designed to balance growth, risk, and the income you'll need throughout retirement.
Build a sustainable income strategy that coordinates your investments, CPP, OAS, pensions, and withdrawals throughout retirement.
Prepare for market downturns, unexpected expenses, and healthcare costs while protecting the financial security you've worked to build.
Coordinate your estate plan, beneficiary designations, and wealth transfers to help reduce taxes and leave more to the people and causes you care about.
Keep your retirement strategy on track with regular reviews and adjustments as markets, tax rules, and your life circumstances change.
Our recommendations are guided by your retirement goals, financial priorities, and long-term interests.
We explain our recommendations, fees, and planning process so you understand what you're paying for and why.
We take the time to explain your options, trade-offs, and potential tax implications so you can make informed decisions.
Your financial needs change over time. We help keep your retirement strategy aligned with your evolving goals.
Turning Savings Into Retirement Income
We had accumulated more than $750,000 between our RRSPs, TFSAs and non-registered investments, but we had no clear idea how to turn those savings into retirement income. The planning process showed us how to coordinate our withdrawals with CPP and OAS, manage taxes and determine how much we could realistically spend each year. We finally have a retirement income strategy that makes sense for our situation in Ontario.
Robert and Michelle T
Bringing All Financial Decisions Together
We were already comfortable managing our investments ourselves, so we weren't looking for someone simply to pick investments. What we needed was a complete retirement strategy. The plan brought together our RRSP, TFSA, non-registered investments, CPP, OAS, taxes and estate objectives. We came away understanding not just what we owned, but how everything should work together throughout retirement.
Matthew and Sarah L.
A Tax-Efficient Withdrawal Strategy
We had accumulated over $1 million in retirement and investment accounts, but we were concerned about withdrawing too much from our RRSPs and creating unnecessary taxes. The planning process helped us understand when to draw from our RRSP/RRIF, TFSA and non-registered accounts and how those decisions could affect our taxable income, CPP and OAS. We now have a much clearer tax-efficient withdrawal strategy.
Dave and Christine C.
Complete a short form so we can learn about your financial situation, retirement goals, and what you're looking for.
If your needs align with our services, we'll arrange an introduction meeting to discuss your concerns, priorities, and planning opportunities.
We'll explain how we work and determine together whether moving forward makes sense for both of us.
How can I reduce taxes on RRSP and RRIF withdrawals in Ontario?
Managing retirement taxes involves more than choosing which account to withdraw from. We help coordinate RRSP, RRIF, TFSA, and non-registered investment withdrawals alongside CPP, OAS, and pension income. The goal is to manage taxable income over your retirement years and reduce unnecessary taxes where possible.
What is the most tax-efficient way to withdraw retirement income in Ontario?
There is no single withdrawal order that works for everyone. The right approach depends on your age, income, account balances, tax brackets, CPP and OAS benefits, and estate objectives. We develop coordinated withdrawal strategies based on your circumstances rather than applying a one-size-fits-all rule.
How can I avoid paying unnecessary taxes when leaving investments to my children in Ontario?
Estate taxes can depend on the investments you own, beneficiary designations, and how assets are transferred. We help identify potential tax consequences, coordinate estate-planning strategies, and work with your legal and tax professionals to support your legacy goals.
How much money do I need to work with Ontario Wealth Strategy Experts?
We generally work with Ontario retirees and pre-retirees who have $250,000 or more in investable assets. Our initial form helps us understand your situation and whether our services align with your needs.
Do you provide both investment management and retirement tax planning?
Yes. Our approach integrates investment management, retirement income planning, tax-efficient withdrawals, and estate-planning considerations. We focus on how these decisions work together rather than treating investments and taxes separately.
What happens after I complete the "See If We Are A Fit" form?
We review your information to determine whether your needs align with our services. If there appears to be a good fit, we'll arrange an introduction meeting to explore your goals and concerns. Together, we'll decide whether moving forward makes sense.
Start with a short form. We'll review your information and contact you if there's a potential fit.
We help individuals with $250K+ in investable assets combine investment management with tax-efficient withdrawal strategies.
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Contact Details
Toronto, Ontario