Retirement Planning
Financial Forecasts That Empower Smart Decisions
Retirement isn’t just a financial goal; it’s a personal one. Whether you dream of slowing down, changing careers, or travelling the world, we can help turn your retirement vision into a practical, tax-smart plan. We examine the entire picture, including income sources, savings, expenses, tax implications, and long-term care needs, to help you retire with clarity and confidence. Whether you’re decades away or already making the transition, we’ll meet you where you are and guide you through what’s next. Because retirement planning doesn’t just answer “when”, it answers “how.”
Our Cash Flow Projection Services Include:
Retirement Income Projections
We forecast how long your savings will last under different assumptions—so you can retire with confidence, not guesswork.
Withdrawal Strategy Optimization
We help you draw down RRSPs, TFSAs, pensions, and corporate assets in a tax-efficient, sustainable way.
CPP & OAS Planning
Understand when to take government benefits, how they fit into your income plan, and how they may be affected by other factors
Lifestyle & Expense Forecasting
We help you model realistic retirement budgets—including travel, family support, downsizing, or part-time income.
Transition Planning
From winding down a business to selling a property, we guide you through the financial decisions that shape your next chapter.
Why Clients Choose HW Partners for Retirement Planning
- Strategic, tax-efficient retirement income plans
- Clarity around timing, lifestyle, and sustainability
- Thoughtful guidance through significant life changes
Meet the Team Guiding Your Retirement Plan
Our team offers clarity, experience, and steady support—so you can focus on enjoying retirement, not worrying about it.
Retirement should feel like freedom, not uncertainty. We help clients make confident choices now, so they can enjoy the future they’ve earned.
~ Michelle Bouchard, Partner
Let’s Plan the Retirement You Deserve
No matter your stage or starting point, we’re ready to help you build a clear, confident path to retirement.