Retire well. Leave more behind.
Tax-efficient retirement income, real protection, and a legacy for the people you love. For Canadians over 50 and the business owners among them.
Three conversations I have most often
“Am I on track to retire?”
See where you really stand, and how to draw income from your RRSP, TFSA and pensions with less tax.
Let’s look →“What will I leave behind?”
Beneficiaries, estate costs and probate, planned ahead so more of what you built reaches the people you love.
Let’s look →“I own a business.”
Build wealth inside your corporation, protect your key people, and plan your exit on your terms.
Let’s look →The OHANA Signature Process
Ohana means family. Five steps, one plan your whole family can stand on.
- O
Open the conversation
Your goals and your family come first. We start with your story, not a product.
- H
Health check
Every account, pension and policy in one clear picture, so you see where you really stand.
- A
Add protection
Make sure an illness, an accident or a death can't undo everything you've built.
- N
Nurture growth
Put your money to work with less tax: TFSA, RRSP, segregated funds and insurance-based strategies.
- A
Arrange your legacy
Beneficiaries, estate costs and probate, so more reaches the people you love.
What you have built deserves care.
You have spent decades building something: a home, a business, savings, a family. My work is making sure it lasts, first for your own retirement and then for the people who come after you.
I am a husband and a father, and I think about my own family the same way. So when we sit down, I will ask more questions than you expect, take my time with the numbers, and tell you honestly what I would do in your place.
“He never once rushed or pushed me into making a decision. I could see from the start he was an honest family man with strong values.”
“Thoughtful, a great listener and gives very honest detailed advice. He truly makes you feel he has your back.”
“He takes the time to understand his clients, goes through the numbers carefully, and explains everything in a simple and clear way.”
“He has helped me put important financial plans in place for myself and my family.”
Twenty minutes, three simple steps
- 1
You tell me where you are
Your savings, your family, and what you want retirement to look like.
- 2
I show you what I would look at
Clearly and simply: the gaps, the tax, and the options that could fit.
- 3
You decide
Nobody signs anything on a first conversation. If it is not a fit, I will tell you.
Honest answers, before you book
The things people usually wonder about but do not always ask.
Is it too late to start planning at 55?
No. At 55 you usually still have 10 or more years of earning, and choices like the order you draw from your RRSP, TFSA and pensions, and when you take CPP and OAS, can make a real difference to your retirement income.
What happens to my RRSP when I die?
Unless it rolls over to a spouse or an eligible dependant, the full value of an RRSP or RRIF is generally added to your income on your final tax return, which can mean a large tax bill for your estate. Planning ahead can soften that, and it is one of the first things we look at.
I already have an advisor or a bank. Why talk to you?
A second opinion costs nothing. Banks can usually only offer their own products, while I am independent through HUB Financial and can compare options from many insurers. Plenty of people keep their current advisor and simply fill a gap with me.
Will I be rushed into buying something?
No. Clients often say I never rushed or pushed them into a decision. The first conversation is about understanding your situation, and nobody signs anything on it. If what you have is already working, I will tell you.
How are you paid?
The conversation and the plan cost you nothing. If you choose to put an insurance policy or investment in place, I am paid a commission by the insurance company.
Do you only work with people in Surrey?
No. I am licensed in British Columbia, Ontario, Alberta, Manitoba and Nova Scotia, and meet by video or phone.
Let’s talk about what matters to you.
Twenty minutes, by phone or video. You leave with a clearer picture, whether or not we work together.
Prefer to call? 604-800-7647