We help Canadians turn their savings into reliable, tax-efficient retirement income. No product sales, no commissions, no hidden agendas. Just a plan built around your life.
Most Canadians accumulate savings over decades, but nobody teaches them how to draw it down. That's where we come in. We build detailed, year-by-year plans that answer the questions that keep you up at night.
This is the core of what we do. We build year-by-year projections showing exactly how your RRSP, TFSA, RRIF, CPP, OAS, and workplace pension work together to produce retirement income, and how to draw down in the most tax-efficient order possible. Our plans cover CPP and OAS timing analysis, RRSP meltdown strategies, RRIF conversion timing, OAS clawback avoidance, pension income splitting, and tax bracket management across your entire retirement. You get a written plan with clear numbers, not a vague conversation.
When to take CPP isn't a simple question. We model the break-even scenarios, consider your health, other income sources, and tax bracket to find the timing that puts the most money in your pocket.
The order you draw from your accounts matters more than most people realize. RRSP meltdown strategies, TFSA optimization, and pension income splitting are all part of a plan that minimizes what goes to CRA.
A full written plan covering your financial picture at any stage: savings strategy, investment allocation, insurance gaps, estate considerations, and a clear action plan.
Whether you're saving for a home, planning for a career change, or working toward early retirement, we help you map out the steps and build a strategy that fits your timeline.
Not sure if your current advisor's recommendations are in your best interest? We review your existing plan, portfolio, or insurance coverage with fresh, unbiased eyes.
We review your beneficiary designations, insurance coverage, and estate structure to make sure nothing falls through the cracks. We don't sell insurance, so our recommendations are objective.
Every plan includes detailed projections like this, showing how your income sources work together from retirement through age 95.
Sample illustration only. Actual projections are personalized to your specific income sources, tax situation, and goals.
Whether you need a full retirement income plan or a comprehensive financial review, all fees are quoted upfront and agreed upon before any work begins. HST applies to all fees.
The process is straightforward. No pressure, no sales tactics, no obligation until you're ready.
A brief virtual conversation to understand your situation and see if we're a good fit. No cost, no obligation.
We'll send you a questionnaire covering your income, assets, pensions, goals, and concerns. This is the foundation of your plan.
Your planner builds a comprehensive financial plan with year-by-year projections, tax strategies, and clear recommendations.
We meet to walk through the plan together. You leave with a written document and a clear action plan. Your planner is available for follow-up questions.
Freehold Financial Planning specializes in retirement income and tax planning. We help Canadians figure out how to turn decades of savings into reliable, tax-efficient income that lasts. That's our core focus, and it's where we do our best work.
Our team brings years of experience from inside Canada's banking system. We saw firsthand how the advisory model works: advisors are measured on assets gathered and products sold, not on the quality of advice delivered. Good people, doing their best within a system that isn't always designed to put the client first.
Freehold is different by design. We have no inventory to move, no sales targets to hit, and no employer whose products we're expected to recommend. When we recommend a course of action, it's because we believe it's right for you.
Beyond retirement planning, we also offer comprehensive financial plans, goal-based planning, second opinions, and estate and insurance reviews. But retirement income and the tax decisions around it are at the heart of everything we do.
Book a free 20-minute introduction directly below, or email us at info@freeholdplanning.ca. No commitment, no pressure.
Whether you're approaching retirement, recently retired, or just want a second opinion on your financial plan, we'd be happy to hear from you. The initial conversation is always free.