Retirement Planning
Retire With Confidence, Not Guesswork
A comfortable retirement does not happen by accident. We help you save efficiently while you work and draw income wisely once you stop.
- Licensed in Canada
- Free, no-obligation advice
- English & Farsi
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Retirement Services
Two stages, one plan: building your savings and turning them into income.
What we plan for
Questions Every Retirement Plan Answers
01
How much is enough?
We estimate what you will need based on the lifestyle you want.
02
Where to save?
RRSP, TFSA, or both, depending on your tax rate now and later.
03
When to take CPP and OAS?
Timing can significantly change your lifetime income.
04
How to withdraw?
A smart withdrawal order can reduce tax and protect benefits.
How it works
Four Simple Steps
- PictureWe define the retirement you want and when.
- MeasureWe review your savings, pensions, and government benefits.
- PlanWe build a savings and income strategy with clear numbers.
- AdjustWe review your plan every year and as life changes.
Questions
Frequently Asked Questions
When should I start planning?
As early as possible. Even small contributions benefit from decades of growth, but it is never too late to improve your plan.
Should I take CPP early?
You can start CPP as early as 60 or as late as 70. Starting later increases your monthly payment. The right choice depends on your health, savings, and other income.
What is OAS clawback?
If your income in retirement is above a set threshold, part of your Old Age Security is recovered through tax. Planning withdrawals can help reduce it.
Talk to an advisor
Meet Our Licensed Advisors
Choose the advisor who fits you best, view their profile, and book a free consultation directly in their calendar.
Sina Kia
Founder & Licensed Advisor
Mana Mohamadi
Licensed Advisor
Not Sure Where to Start?
Book a free, no-obligation consultation. We will listen, answer your questions, and explain your options in plain language.
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Tax rules and contribution limits change; figures reflect 2026 rules. We do not provide tax or legal advice, so please confirm your situation with your accountant. This page is for general information and is not personalized advice. Disclosure