What We Do
From building savings in your 40s to drawing them down in your 70s, every service we offer is shaped around the long game.
Our core service is a comprehensive retirement plan — a written document that integrates your savings rate, projected income sources, estate intentions, and tax picture into a single, legible strategy. We typically work through the plan in three structured sessions, then check in annually (or when life changes warrant it). You'll leave each engagement with a clear action list and a plan that's yours to keep. We don't manage investment portfolios directly; our role is strategic planning and advice — making sure every financial decision you take points in the same direction.
Choose what fits where you are right now — or combine them into a full planning engagement.
We audit every account you hold — RRSP, TFSA, employer pension, non-registered — and map out the optimal contribution sequence for your income level, marginal tax rate, and target retirement age. You'll come away knowing exactly where to put each new dollar and why.
Turning accumulated savings into a dependable income stream is the hardest part of retirement planning. We build a detailed drawdown model that coordinates CPP, OAS, pension, RRIF, and investment income — sequenced to minimise lifetime tax and sustain your lifestyle across a 25-to-30-year horizon.
We review your will intentions, beneficiary designations, and account ownership structure, then produce a written summary of any gaps or conflicts. We work in tandem with your estate lawyer — we handle the financial side, they handle the legal documents. The result is a coordinated plan that actually reflects what you want to leave behind.
Life doesn't stop changing after your plan is written. Our retainer clients get an annual plan review, access to our team for ad-hoc questions throughout the year, and proactive alerts when tax rules or government benefit thresholds shift in ways that affect your strategy. Think of it as a standing relationship, not a one-time transaction.
We're planners, not portfolio managers. We don't hold or trade your investments, and we don't earn commissions from product sales. Our fee is for advice — which means our incentive is always to tell you what's actually best for your plan, not what earns us a trail. If you need active portfolio management, we'll help you understand what to look for in a manager and how to evaluate whether their approach fits your plan. We're also candid about the limits of any plan: market returns, inflation, and government policy can all shift in ways no plan can fully anticipate. What a good plan does is give you the resilience to adapt.
The income sequencing work Orbitbswift did for us saved us from a significant OAS clawback we didn't even know was coming. They modelled three different drawdown sequences side by side and the difference was stark — we picked the one that kept roughly $8,400 more in our household over the first five years of retirement.
David & Linda Kasparov, Burnaby
Book a no-pressure introductory call and we'll spend 30 minutes understanding where you are and what you're aiming for.
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