Life is full of surprises! Retirement, selling a business, slowing down—or speeding up—these transitions don’t happen in neat, predictable lines. That’s why our retirement plans aren’t just spreadsheets. At Deacon Wealth Management, we create flexible, integrated strategies designed to help you live well, plan ahead, and adjust when life shifts.
We work closely with business owners, pre-retirees, and high-net-worth individuals to build plans that support real goals. Whether you're preparing to exit your business, figuring out when to draw from your pension, or planning for a long and meaningful retirement, we help turn complexity into clarity.
A living plan that grows with you
Retirement isn’t static. Dreams change. Health can shift. Your financial needs evolve. That’s why we build a “living plan”—one that adjusts over time. It’s not a document you review once and file away. It’s a conversation, a strategy, a system that adapts to your life.
Want to help the grandkids? Travel more often? Stay close to home but live comfortably? We design your retirement plan around what you care about, and we’re right beside you to recalibrate when your goals change.
Complete financial coordination
We don’t look at your investments in isolation. We bring together your entire financial picture—pensions, RRSPs, non-registered accounts, insurance, and more. Everything is aligned and working together with purpose.
We coordinate with your accountant, lawyer, and other professionals to make sure every piece fits. From retirement income to estate strategy, you’ll have a clear, connected plan that supports your lifestyle and protects your future.
Business retirement plans that work
If you’re a business owner, planning for retirement is more than ticking boxes—it’s often about unlocking value and making smart transitions. We help you prepare for life after business ownership, whether that involves a sale, a wind-down, or succession to family.
Our business retirement plans account for income needs, tax planning, and legacy goals. We show you how to structure a retirement that reflects your life’s work—efficiently and confidently.
The decumulation shift
Saving comes naturally to many of our clients. But shifting into retirement spending—decumulation—can be stressful. How do you draw income in a way that protects your lifestyle and preserves wealth? Which accounts do you access first? How can you reduce taxes along the way?
We walk you through it. Our role is to remove the anxiety of spending so you can enjoy what you’ve built. You’ll have a clear path forward that balances sustainability and flexibility—so your money works for you, not the other way around.
Tax efficiency at every step
Taxes don’t stop in retirement—they often grow more complex. Our high-net-worth retirement planning includes detailed tax strategies to keep more of your wealth working for you. Income splitting, pension income credits, strategic withdrawals—we use every available tool to minimize tax impact.
And because we coordinate directly with your accountant and other professionals, the planning stays seamless and consistent across the board.
Investments that evolve with your needs
Retirement doesn’t mean stepping away from growth—it means investing differently. We tailor your portfolio to support your income needs, risk tolerance, and long-term goals. Whether you want to preserve capital, generate steady income, or stay cautiously growth-oriented, we ensure your investments evolve as you do.
Planning beyond today—building a lasting legacy
Retirement planning isn’t only about enjoying life now—it’s about the impact you leave. Whether that’s protecting loved ones, planning charitable gifts, or creating a smooth wealth transfer, we help make your legacy intentional.
Trusts, wills, insurance, estate coordination—we bring it all together so your values carry forward, clearly and meaningfully.