Retirement Planning · Vancouver, BC
One-on-one planning that turns your savings, income goals, and estate intentions into a strategy you can live with — for the long run.
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Sound planning isn't just about the numbers — it's about making sure every layer of your financial future is accounted for.
We review your RRSP, TFSA, and non-registered holdings together, then help you decide where each new dollar should go. Small, consistent decisions compound dramatically over a 20- or 30-year horizon — and we keep that long-term view front and centre.
Knowing you have enough is one thing; drawing it down tax-efficiently is another. We map CPP, OAS, pension, and investment income into a sequence that minimises tax drag and avoids clawbacks across the years you'll actually be spending.
A clear estate plan means your intentions don't get lost in paperwork or family confusion. We work alongside your lawyer to make sure beneficiary designations, powers of attorney, and asset transfers all line up with what you actually want.
I came in with three different spreadsheets and no idea how they connected. After two sessions with the Orbitbswift team I had a single, readable plan that showed me exactly when I could retire — four years earlier than I expected. That clarity was worth every minute.
Patricia Osei, North Vancouver
Let's spend 30 minutes looking at it together — no cost, no obligation, just an honest conversation about where you stand.
Schedule your free reviewMost financial decisions feel urgent in the moment — market dips, job changes, a lump-sum inheritance. What gets lost in the noise is the 25-year arc. At Orbitbswift we build plans that are explicitly designed to flex through those moments without derailing the bigger picture. We're not chasing short-term performance metrics; we're asking what your money needs to do for you at 70, 80, and beyond. That shift in timeframe changes which accounts you prioritise, when you claim government benefits, and how much risk actually makes sense for your situation.
Retirement planning surfaces a lot of the same worries. Here are honest answers to the ones we get most often.
Earlier than most people think. The earlier you build a plan, the more room you have to course-correct. That said, we regularly work with clients who are 5 to 10 years from retirement and still have significant options on the table. The worst time is after you've already retired with no plan in place.
Bank advisers typically work within a narrow shelf of their employer's products. Our planning is built around your full picture — all accounts, all income sources, all your goals — and we recommend whatever approach serves your long-term outcome best, regardless of product.
Very common, and very workable. We plan the household as a whole, which often means structuring different account types differently — one spouse holding more growth-oriented assets in a TFSA, the other holding more stable fixed income in an RRSP. The plan balances both personalities.
Absolutely. Choosing when to take CPP — anywhere from age 60 to 70 — can shift your lifetime income by tens of thousands of dollars. We model the break-even scenarios for your specific situation before you make the call.