Retirement isn’t the end of the road—it’s the start of something new. At Deacon Wealth Management, we help pre-retirees and retirees shift from saving to living with clarity, control, and peace of mind. You’ve spent decades growing your net worth. Now it’s time to protect that wealth, enjoy it meaningfully, and ensure it supports your life and legacy.

As a trusted financial partner to high-net-worth families in North Bay and across Canada, we specialize in guiding clients through this critical transition. We’re hands-on, proactive, and deeply personal in our approach—helping you make smart decisions with confidence, not guesswork.

This isn’t about winding down—it’s about redefining what’s possible

For many of our clients, retirement isn’t about stepping back—it’s about stepping into a new chapter with energy and intention. That might mean more travel, more time with grandkids, a new home, or finally saying yes to something long deferred.

We help you reshape your financial life to match your evolving priorities. That means building a strategy that not only sustains your lifestyle, but grows with you—adapting to health needs, tax law changes, and whatever else life throws your way.

At Deacon Wealth Management, we’re known for offering more than investment advice. We offer full-picture financial planning for high-net-worth individuals, with regular reviews, deep coordination with your accountant and lawyer, and proactive communication every step of the way.

Key retirement planning priorities we help with

  • Living longer, living well

    With many people living for decades after retirement, your plan needs to go beyond the basics. We help ensure your wealth supports a fulfilling life—covering health, hobbies, travel, and those inevitable surprises—without compromising long-term security.

  • Tax optimization

    Left unmanaged, taxes and other costs can quietly erode your retirement savings. We use strategies like income splitting, tax-efficient withdrawal planning, and smart use of TFSAs and RRIFs to help reduce your tax burden and stretch your portfolio further.

  • Sustainable income planning

    You may no longer receive a paycheque, but that doesn’t mean your income should feel uncertain. We build diverse, reliable income streams that reflect your lifestyle, risk tolerance, and tax profile. Whether it’s pensions, registered accounts, dividends, or non-registered sources, your income plan will be both sustainable and strategic.

  • Legacy and estate planning

    You’ve worked hard to build your wealth—now let’s ensure it ends up where it belongs. We help you design a legacy plan that preserves your values and protects your loved ones. Whether it’s through trusts, charitable giving, or intergenerational wealth transfer, we make sure your estate plan reflects your intentions and maximizes your impact.

  • Healthcare and long-term care planning

    Later-life health expenses can strain even well-funded retirement plans. We help you prepare for healthcare costs and protect your independence, using insurance tools and income strategies that reduce future financial pressure on you and your family. We also ensure that you are covered with up to date wills and POAs for both Personal Care and Finances.

  • Adapting your investment strategy

    As your needs change, so should your investment approach. We help you shift toward a portfolio that balances growth with protection—reducing unnecessary risk while ensuring your wealth continues to serve your life and legacy.