Confidently Step Into the Future You’ve Envisioned

At Financial Simple, we believe retirement should be a time of freedom, not financial stress. Whether you’re an employee, a professional, or a business owner, our holistic retirement planning approach ensures your financial strategy is built to support the lifestyle you desire—now and in the years to come.

We help you move from working years to retirement with clarity, confidence, and a personalized plan that puts your financial goals first.

Are You Retirement Ready?

Planning for retirement isn’t just about saving money—it’s about building a strategy that ensures your wealth is preserved, your income is reliable, and your taxes are minimized.

Our team helps you:

  • Determine how much you need to retire comfortably

  • Assess income gaps and bridge them with smart solutions

  • Maximize government benefits like CPP and OAS

  • Protect your assets and create income that lasts a lifetime

  • Adjust your plan as your life and goals evolve

Smart Tax Planning for Retirement Income

Taxes don’t stop in retirement—so your strategy shouldn’t either. We design plans that minimize your tax obligations, allowing you to keep more of what you’ve saved.

By structuring your retirement income from various sources—RRSPs, TFSAs, pensions, investment portfolios, and corporate assets—we ensure your withdrawals are tax-efficient and sustainable.

We regularly work with your accountant or tax advisor to:

  • Optimize income withdrawals and sequence of withdrawals

  • Defer taxes wherever possible

  • Minimize OAS clawbacks

  • Use pension income splitting for couples

  • Strategically manage registered and non-registered funds

Business Owners: Retirement Beyond the RRSP

If you’re a business owner or incorporated professional, your retirement strategy can go beyond traditional RRSPs and pensions. We help you leverage your corporation to build and access retirement income in tax-smart, innovative ways.

Insured Retirement Plan (IRP)

Use a corporate-owned permanent life insurance policy (such as Whole Life or Universal Life) to grow tax-sheltered cash value. In retirement, you can access that cash value through a line of credit, providing tax-free retirement income while keeping your death benefit intact.

This strategy also:

- Keeps assets growing inside the corporation

- Allows for tax-free distribution through the Capital Dividend Account (CDA)

- Acts as a powerful estate planning and business succession tool

Individual Pension Plans (IPP)

For business owners over 40, an IPP allows for larger retirement contributions than RRSPs—fully tax-deductible to your corporation. IPPs offer predictable retirement income and enhanced tax deferral opportunities.

Corporate Class Investments

We design investment portfolios within your corporation that minimize passive income taxes and integrate with your broader retirement plan.

Holding Companies & Succession Planning

We help you build a retirement plan that includes corporate restructuring, succession planning, and passive income strategies—all optimized for tax efficiency and asset protection.

Our Retirement Planning Process

We follow a proactive and ongoing approach to keep your retirement plan relevant, secure, and tax-efficient:

  • Lifestyle & Income Needs Assessment
    Identify how much retirement income you’ll need to live the lifestyle you want

  • Income Gap Analysis
    Analyze the shortfall between expected income (pensions, CPP, etc.) and your actual needs

  • Retirement Income Optimization
    Plan the best way to withdraw from RRSPs, TFSAs, investment accounts, and corporate assets

  • Government Benefit Maximization
    Ensure you’re receiving the most from CPP, OAS, and any private pensions

  • Ongoing Review & Adjustment
    Life changes, and so should your plan—we provide continuous monitoring and updates

Let’s Build Your Retirement Plan

Retirement is your reward for years of hard work—let’s make sure you’re ready. Whether you’re five years away or already retired, our team will help you create a retirement plan that is clear, customized, and tax-efficient.

Book Your Free Retirement Consultation

Or contact us directly:

Phone: (647) 242-5676, (604) 362-9497, (825) 882-4117
Email: [email protected]

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TESTIMONIALS

What Our Clients Have To Say

I’ve worked with many insurance providers globally, but none have offered such personalized service. Their team truly goes above and beyond.

— John M.- From Chicago

Exceptional experience from start to finish. They took the time to understand my needs and offered the best solutions tailored to my situation.

— Sara K.- From Chicago

I’m impressed by their global reach and professionalism. Their quick responses and reliable support make them my top choice for health coverage.

— Carlos Garcia - From Chicago

Frequently Asked Questions

What makes your insurance plans different from others?

Our plans are tailored to meet individual needs, offering flexibility, competitive pricing, and a seamless claims process to ensure your peace of mind.

How do I know which plan is right for me?

Our experts provide personalized consultations to assess your needs and recommend the best plan that suits your health, budget, and lifestyle.

Can I make changes to my policy after purchasing?

Yes, we offer easy policy adjustments to ensure your coverage stays up to date with any changes in your life or needs.

Is my family covered under my insurance plan?

Yes, we offer family plans that cover all ages, ensuring your loved ones are protected with comprehensive care and support.

How quickly can I make a claim?

Our claims process is fast and efficient, allowing you to submit claims easily, with most claims being processed within 24-48 hours.4o mini

Offices

ON: 155, University Ave, Toronto, M5H 3B7,
Phone:(647)242-5676

BC: 1021 W Hastings St, Vancouver, V6C 2R6

Phone: (604)362-9497

AB: 9945 50th St NW, Edmonton, 5th floor, T6A 0L4

Phone: (825)882-4117