Retirement Planning

Retirement Planning Advisors in Toronto, Canada

Feel excited about life during retirement

Group 44

Making sure I'm on track for retirement (45-55 years).

Group 44

Living well in retirement
(55-80 years).

Toronto Retirement Planning Services

  • Setting goals
  • Choosing the right investment
  • Determining your savings plan
  • Creating a financial plan and making consistent updates
  • Professional advice to help stay disciplined with the plan
Canada’s Top Wealth Advisors 2021
top 50 since 1994 (blue)
Ranked 1st
Award - Franklin Templeton Award blue
Wealth Professional 5 -star blue


10 Critical Mistakes People Make When Planning for Retirement.

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Who can benefit from this service?

  • Self-employed individuals
  • Employed individuals
  • Owner-managers
  • Business owners
  • Professionals

How to Become a Client


Discovery process

Meet us face to face or online, to see if we’re a good fit and discuss your goals.


Action plan

Review your custom-built financial plan and ask any questions and offer feedback.



Discuss the implementation of your plan, sign paperwork and begin your journey towards financial success.

Meet our team for retirement planning in Canada

You don’t have to live with uncertainty about your future. Instead, you can know you’re on track to maintain your standard of living in retirement and have enough left over to have some fun while you’re at it!

Ranked 1st
Award - Franklin Templeton Award blue
wreath 4
Wealth Professional 5 -star blue


Wealth transfer is the transfer of assets or wealth to the beneficiaries upon the death of the owner.

Here are six strategies you can use to transfer wealth to your heirs:

  • Family trusts
  • Insurance
  • Estate freeze
  • Individual pension plan
  • Joint asset ownership
  • Wills

Yes, sources of retirement income are taxed differently. Government & employer pensions are taxed as regular income. Personal retirement plans like Registered Retirement Income Funds (RRIF) or Life Income Fund (LIF) is taxed as regular income. Other investment income (Ie capital gains and dividends) are taxed differently.

There are many tax saving strategies you can use in retirement. Some examples include splitting eligible pension income with a spouse, sharing CPP with a spouse, Ensuring your portfolio is tax efficient, and Optimizing your income sources at the lowest tax possible.

Most experts say your retirement income should be about 80% of your final pre-retirement annual income. That means if you make $100,000 annually at retirement, you need at least $80,000 per year to have a comfortable lifestyle after leaving the workforce.

It is important to understand the benefits of each of the accounts. A Registered Retirement Savings Plan (RRSP) is a tax deferred account which means you will save tax when you contribute but will be taxed in the future when you withdraw. A Tax-Free Savings Account (TFSA) is a tax-exempt account. Meaning you do not pay tax on the investment income or upon withdrawals. Your individual retirement income sources will determine whether a RRSP or TFSA is more beneficial to you.

How to Find the Best Toronto Retirement Planning Near Me?

Having enough money to enjoy retirement is a significant concern for most Torontonians.

To top it off, managing your investments can feel complicated. You may not be comfortable investing on your own.

What stocks and asset groups should I invest in?

How much of my income should I be putting aside each month?

How much money will I need to put aside each month to ensure I have enough to enjoy retirement?

Trying to create a solid strategy for your retirement on your own can be daunting. A professional financial advisor or planner can help you prepare for a more confident and enjoyable retirement.

finding a financial planner near you

Finding a Trusted Retirement Planner Near You

To find a trusted retirement financial planner near you or in Toronto, you may want to start by searching “retirement planning near me” or retirement planning Toronto.

An experienced Retirement Planner or advisor from Toronto should be able to help you:

  • Assess your current financial situation
  • Work with you to identify your present and future goals.
  • Provide advice on the right investment strategy to meet your goals
  • Make sure they have your back. Always try to make sure you work with a licensed, registered fiduciary and one that is fee-based-only*.

*With a fee-based platform, clients pay their financial advisor directly as opposed to the advisor being compensated based on a commission-based model by the investment company. This ensures your advisor has no outside incentive, so they’ll always put your interests first. This is how TMFG advisors work.

Financial Planning Advice from Canada's Top Financial Advisors

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Disclaimer | Assante advisory services are offered through Assante Capital Management Ltd. Assante Capital Management Ltd. is a Member of the Canadian Investor Protection Fund and Investment Industry Regulatory Organization of Canada. The services described may not be applicable or available with respect to all clients. Services and products may be provided by an Assante advisor or through affiliated or non-affiliated third parties. Some services and products may not be available through all Assante advisors. Services may change without notice. Insurance products and services are provided through Assante Estate and Insurance Services Inc.

We have a team of advisors each specializing in varying portfolio sizes. Please let us know the approx. amount of your investable assets to help us to direct you to the advisor that is best suited to you.