Retirement Planning – kinsureservices.com

// Build the Retirement You Want

Three pillars. One plan. Real retirement.

A solid Canadian retirement plan needs three things: knowing how much you'll need, where it'll come from (RRSP, TFSA, CPP, OAS), and how to draw it down without losing half to taxes. We map all three with you.

RRSP Optimization

Maximize tax deductions during your high-income years — defer until retirement when you're in a lower bracket.

TFSA Growth

Tax-free growth and tax-free withdrawals — for life. Doesn't impact OAS clawback at retirement.

CPP & OAS Timing

Delay CPP to 70 for 42% higher monthly payment. Coordinate OAS to avoid the clawback.

Withdrawal Sequence

The order you draw down matters — we sequence for minimum lifetime tax.

Plan your retirement in 30 minutes.

No upfront planning fee

// What We Plan

A complete Canadian retirement blueprint.

From accumulating wealth to drawing it down — we cover every account type and every stage of your retirement timeline.

RRSP Strategy

Optimize contributions, spousal RRSPs, and conversion to RRIF at age 71.

TFSA Maximization

Tax-free growth strategy and contribution room recovery for missed years.

FHSA Stacking

First Home Savings Account combined with RRSP/TFSA for first-time buyers.

CPP Timing

When to start CPP (age 60 vs 65 vs 70) — modeled for your lifespan.

OAS Clawback

Plan income to stay under the $90,997 threshold and keep your full OAS.

Pension Decisions

Commute vs annuity, joint vs single life — all the questions employees face.

Annuities & RRIFs

Build guaranteed income floors so essential expenses are always covered.

Estate Planning

Minimize estate tax — through beneficiary naming, life insurance, and trusts.

Compound Power

// The cost of waiting

$500/month at 6% growth from age 25 = $1M at 65. Start at 40 and you'd need $1,300/month.

Source · Compound interest at average TSX 30-year return

Common Questions.

The most-asked questions about Canadian retirement planning.

RRSP or TFSA — which one first?

It depends on your tax bracket. High earners (>$100k) benefit most from RRSP deductions now. Lower earners or younger clients often do better starting with TFSA — the tax-free withdrawals at retirement compound over decades. We model both scenarios so you can see the difference.

How much do I need to retire comfortably?

A common rule is 70% of your pre-retirement income — but the right number depends on lifestyle, debts, and CPP/OAS eligibility. Most Canadians need $800k–$1.5M in savings to retire at 65 with $40k–$60k of yearly spending. We calculate a custom target.

When should I take CPP?

Take it at 60 and your benefit is reduced by 36%. Take it at 70 and it's 42% higher than at 65. Most healthy Canadians do better delaying — but if you have shorter expected lifespan, immediate need, or higher current income, taking earlier may make sense.

Do you charge a planning fee?

No upfront planning fee. We're compensated through the insurance and investment products we set up — and only if they're a fit for you. Pure advice costs you nothing.

Plan the retirement you actually want.

Free planning session. We build your custom RRSP, TFSA, and pension roadmap — at any age, any stage.

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