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The RiQ Method

The Retirement IQ Method™

A six-step process that looks at retirement from every angle, so each decision is made with the others in mind.

Book a complimentary consultationGet my Retirement IQ Score

A retirement plan should help answer:

  • Can I afford the retirement I want?
  • Where will my income come from?
  • How much can I spend?
  • How do I reduce unnecessary tax?
  • What happens during a market decline?
  • What happens if I live longer than expected?
  • What happens to my spouse or partner if I pass away first?
  • Are my estate documents and beneficiaries aligned?
  • How do I make decisions without feeling overwhelmed?
A couple laughing together as they cycle along a tree-lined riverside path
Six steps

From questions to clarity.

The goal is simple: to help you move from uncertainty to a clearer, more organized retirement plan.

Step01

Discover your retirement picture

Your full financial life, goals, income sources, family situation and concerns.

  • Goals
  • Income sources
  • Family situation
  • Concerns

“What does retirement need to look like for you to feel secure, independent and confident?”

Step02

Identify gaps, risks and blind spots

Income gaps, tax issues, market risk, inflation, estate concerns and family protection.

  • Income gaps
  • Tax
  • Market risk
  • Inflation
  • Estate
  • Family protection
Included reviewThe Retirement IQ Blind Spot Review™

A focused review that identifies risks in your income, tax, investment, estate and family planning.

Step03

Build your retirement income strategy

Turning savings and benefits into a practical retirement paycheque.

  • CPP
  • OAS
  • RRSP / RRIF
  • TFSA
  • Pensions
  • Non-registered

“How do we turn your savings into a retirement paycheque that supports your life?”

Step04

Align investments with retirement outcomes

Investments that support the plan rather than dictate it.

  • Risk
  • Liquidity
  • Market declines
  • Concentration
  • Tax efficiency
  • Income

“Are your investments designed for the retirement you are actually trying to live?”

Step05

Plan for taxes, estate and family transitions

Tax-efficient withdrawals, RRIF timing, OAS clawback, beneficiaries, wills, powers of attorney and legacy.

  • Withdrawal order
  • RRIF timing
  • OAS clawback
  • Beneficiaries
  • Wills & POA
  • Legacy
Included reviewThe Family Continuity Review™

A practical review to help protect your spouse or partner, your family, your beneficiaries and your intentions.

Step06

Review, adjust and manage over time

Markets, tax rules, spending, health and family needs all change. Your plan should too.

  • Annual income review
  • Risk check-in
  • Life events
Who it is for

Designed for real retirement situations.

Within 5–10 years of retirementAlready retiredUnsure your money will lastWorried about taxesDeciding when to take CPP and OASBuilding an income planAfter the loss of a spouseDivorced or starting overIn a blended familySingle and planning independentlyWanting to protect a spouseLooking for a second opinion
What you can expect

You should not leave retirement planning more confused than when you started.

Book a complimentary consultation
  • A clearer retirement income picture
  • A better understanding of your risks
  • A practical withdrawal strategy
  • A tax-aware income roadmap
  • Investments aligned with your plan
  • A spouse and survivor planning review
  • A family and estate checklist
  • Priority action items