.I use the most sophisticated retirement decumulation software available in Canada to answer this question, and to provide detailed projections, charts, and a report showing which accounts — RRSP, TFSA and unregistered accounts should be used first, taking your pensions, CPP and OAS into account for maximum tax efficiency. You will know your maximum yearly budget from now until your life expectancy, and how to prevent or reduce OAS claw-backs. I will also make recommendations and provide 3 hours of coaching to implement a tax advantaged strategy, and to answer questions or concerns.

About Me. I am a 40 year King’s Counsel lawyer, now retired. Thirty years ago I became a financial planner and have published an investing newsletter entitled “Straight-Talk Investing”, ever since — with a 30 year average rate of return of 9%, in a conservative portfolio. Ten years ago I became a retirement planner because good ones are hard to find.

The cost is $3000 per family including 3 hours of coaching if needed.

To get started email Dalerathgeber21@gmail.com and I will arrange a telephone meeting and send a form for you to outline your assets.