When people think about estate planning, the first things that usually come to mind are a Will, Power of Attorney and Health Care Directive. These are incredibly important documents and should be reviewed every five years or whenever there is a major life event. But in our experience working with Canadian retirees, it's often not the documents people have that cause issues, it's the ones they don't have. At our firm, we follow a process called the Fundamental Retirement Plan, which focuses on...

Spending down your retirement savings while leaving a minimal estate. For many retirees, estate planning focuses on leaving a legacy for children, grandchildren, or charitable organizations. But that isn't everyone's goal. Some retirees would rather spend the money they worked their entire lives to accumulate and focus on enjoying retirement rather than leaving a large inheritance. This might be because their children are financially independent, or simply because they want to make the most...

With tax season approaching, now is a great time to talk about best practices for filing your return accurately and efficiently. As a reminder, the personal tax filing deadline is April 30. If you are self-employed and still working, your deadline is June 15. After the challenges Canadians experienced in 2025, this conversation feels especially relevant. What Happened in 2025? Many retirees faced significant tax filing issues, including: Delayed T4A slips due to technical difficulties New CRA...