Retirement Planning Services in Collingwood
Retirement Planning Services in Collingwood
Ted Pollock CPA CA CFP
Ted Pollock CPA CA CFP
Retirement is more than just savings, you should understand when and how to access your income, how to minimize tax, and how to preserve what you’ve built for the next stage of life. Whether you’re five years from retirement or already transitioning out of your business, we’ll help you design a plan that balances your lifestyle goals with long-term financial security.
Retirement is more than just savings, you should understand when and how to access your income, how to minimize tax, and how to preserve what you’ve built for the next stage of life. Whether you’re five years from retirement or already transitioning out of your business, we’ll help you design a plan that balances your lifestyle goals with long-term financial security.
Turn Your Savings Into a Sustainable Income
Turn Your Savings Into a Sustainable Income
We take a structured, tax-efficient approach to managing your retirement income. By understanding your full financial picture, from investments and pensions to business assets and real estate, we help you create a reliable income stream that supports your goals while minimizing tax. We can help you:
We take a structured, tax-efficient approach to managing your retirement income. By understanding your full financial picture, from investments and pensions to business assets and real estate, we help you create a reliable income stream that supports your goals while minimizing tax. We can help you:
Coordinate withdrawals from RRSPs, TFSAs, and pensions for maximum after-tax income
Coordinate withdrawals from RRSPs, TFSAs, and pensions for maximum after-tax income
Coordinate withdrawals from RRSPs, TFSAs, and pensions for maximum after-tax income
Implement income-splitting strategies to lower your household’s overall tax burden
Implement income-splitting strategies to lower your household’s overall tax burden
Implement income-splitting strategies to lower your household’s overall tax burden
Assess the right time to begin CPP or OAS benefits based on your income level and other sources
Assess the right time to begin CPP or OAS benefits based on your income level and other sources
Assess the right time to begin CPP or OAS benefits based on your income level and other sources
Integrate your investment income and dividends into a single, tax-optimized plan
Integrate your investment income and dividends into a single, tax-optimized plan
Integrate your investment income and dividends into a single, tax-optimized plan
Preserve Wealth Through Estate and Tax Integration
Preserve Wealth Through Estate and Tax Integration
A thoughtful retirement plan also looks beyond your own lifetime. By integrating your retirement and estate strategies, we help you protect your assets and ensure a smooth transition for the next generation.
This includes reviewing your wills, trusts, and beneficiary designations to ensure they’re structured in a tax-efficient way, assessing insurance options that provide liquidity and balance inheritances, and coordinating estate freezes or family transfers to reduce future tax obligations.
A thoughtful retirement plan also looks beyond your own lifetime. By integrating your retirement and estate strategies, we help you protect your assets and ensure a smooth transition for the next generation.
This includes reviewing your wills, trusts, and beneficiary designations to ensure they’re structured in a tax-efficient way, assessing insurance options that provide liquidity and balance inheritances, and coordinating estate freezes or family transfers to reduce future tax obligations.
Plan Your Business Exit on Your Terms
Plan Your Business Exit on Your Terms
If you own a business, your retirement strategy begins long before your last day of work. Ted brings decades of experience helping entrepreneurs transition out of ownership while keeping more of their hard-earned value. We guide you through:
If you own a business, your retirement strategy begins long before your last day of work. Ted brings decades of experience helping entrepreneurs transition out of ownership while keeping more of their hard-earned value. We guide you through:
Business succession and sale planning, including valuation and capital gains considerations
Business succession and sale planning, including valuation and capital gains considerations
Business succession and sale planning, including valuation and capital gains considerations
Structuring buy-sell or shareholder agreements that protect your interests
Structuring buy-sell or shareholder agreements that protect your interests
Structuring buy-sell or shareholder agreements that protect your interests
Maximizing the lifetime capital gains exemption when selling eligible small-business shares
Maximizing the lifetime capital gains exemption when selling eligible small-business shares
Maximizing the lifetime capital gains exemption when selling eligible small-business shares
Coordinating with your legal and financial advisors to align your exit strategy with your personal retirement goals
Coordinating with your legal and financial advisors to align your exit strategy with your personal retirement goals
Coordinating with your legal and financial advisors to align your exit strategy with your personal retirement goals
Related Services
Explore other services that complement your cottage and vacation property tax planning:
Estate Planning & Family Succession
Estate Planning & Family Succession
Ensure your retirement plan transitions smoothly to the next generation
Ensure your retirement plan transitions smoothly to the next generation
Investment & Business Valuation Advisory
Investment & Business Valuation Advisory
Align your portfolio and business with your retirement goals
Align your portfolio and business with your retirement goals
Real Estate Accounting
Real Estate Accounting
Make smart property decisions that fit your income and tax plan
Make smart property decisions that fit your income and tax plan
Let’s Talk About Your Retirement Goals
Whether you’re ready to retire or just starting to plan, we’ll help you create a clear, personalized roadmap that makes sense for your life.
Let’s Talk About Your Retirement Goals
Whether you’re ready to retire or just starting to plan, we’ll help you create a clear, personalized roadmap that makes sense for your life.
Let’s Talk About Your Retirement Goals
Whether you’re ready to retire or just starting to plan, we’ll help you create a clear, personalized roadmap that makes sense for your life.