You’ve spent years building wealth, raising a family, growing a business or advancing your career. Now the questions begin to shift to what comes next.
- Can we retire comfortably?
- How should we draw income?
- What happens if our plans change?
- How do we support family without creating future strain?
Brodie Curtosi & Associates Private Wealth Management helps families build retirement plans that connect income, investments, tax planning, estate planning and family priorities.
What your retirement plan needs to answer
A strong retirement plan can help clarify:
- How much income you can draw
- Which accounts to use first
- How pensions, RRSPs, RRIFs and non-registered assets fit together
- How to reduce tax on retirement income
- How to support children or grandchildren wisely
- How your estate plan connects to your retirement plan
The decumulation shift
Saving for retirement takes discipline. Spending your wealth can feel very different.
Decumulation is the shift from building assets to drawing income from them. It needs careful planning, especially for high-net-worth families, incorporated professionals, executives and business owners.
The order of withdrawals, timing of CPP and OAS, pension planning, investment income and tax strategy can all change the outcome.
Retirement planning for business owners
Retirement for business owners often carries extra complexity.
Your retirement plan may need to account for corporate assets, retained earnings, business succession, life insurance, shareholder agreements and the timing of a future sale.
Brodie Curtosi & Associates Private Wealth Management helps organize those pieces so your retirement plans for business owners connect with the rest of your wealth strategy.
Technical planning, made clearer
Retirement planning can involve detailed projections, tax modelling and investment strategy. That work is important. But the real value comes from turning those details into decisions you can live with:
- Clear income
- Clear next steps
- A clear vision of the future