About Pam

My introduction to retirement income planning was working for a CERTIFIED FINANCIAL PLANNER professional who ran a busy financial advisory practice in Kingston, Ontario. Many of his clients needed help with retirement income planning and my task was to structure tax efficient retirement income. I was hooked!! I continue to love working with clients who are planning for and approaching retirement. Retirement income planning takes into consideration all sources of income and all financial assets to create sustainable income for your lifetime. 

Retirement Income Planning will help you determine the best choices for your unique circumstances to ensure a successful retirement. 

Together we will:

• Structure your retirement income to provide income for life
• Determine how and when to convert your Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF)
• Help you determine the best time to start Canada Pension Plan (CPP) and Old Age Security (OAS)
• Structure a tax efficient retirement income stream
• Leave a legacy to your children or favourite charity . . . or to Revenue Canada