Retirement Planning Services in Collingwood

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.

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:

Coordinate withdrawals from RRSPs, TFSAs, and pensions for maximum after-tax income

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

Integrate your investment income and dividends into a single, tax-optimized plan

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.

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:

Business succession and sale planning, including valuation and capital gains considerations

Structuring buy-sell or shareholder agreements that protect your interests

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

Related Services

Explore other services that complement your cottage and vacation property tax planning:

Estate Planning & Family Succession

Ensure your retirement plan transitions smoothly to the next generation

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Investment & Business Valuation Advisory

Align your portfolio and business with your retirement goals

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Real Estate Accounting

Make smart property decisions that fit your income and tax plan

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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.