◆ Toronto, ON · Retirement Income PlanningWill your money last as long as you do?
Retirement income planning that shows you what you can draw, when to draw it, and what it costs you in tax.
How long the money lasts
Modelled against your actual spending, not a rule of thumb.
- Built from what you actually spend
- Tested against a bad market in the wrong decade
What to draw, and when
Which accounts to unwind first, and what each sequence costs you.
- The order you draw in, and what it costs
- What the tax bill looks like in the years the RRSP converts
Reducing tax in retirement
Your tax return is prepared in-house, so the drawdown plan and the tax plan are the same plan.
- Tax preparation handled in-house
- Drawdown and tax planned together, not separately
What happens to what is left
Planning that considers your family, not just your account.
- Your estate plan coordinated alongside your investments and your tax return
- A horizon that includes your children and grandchildren
The advisor you will actually be working with.
Luca leads The Ciminelli Group, a full-service wealth management practice serving families across the Greater Toronto Area — Richmond Hill and King City, where he lives, through to Oakville, Mississauga and central Toronto, where he grew up.
“We just want to be an extension of their family.”
Clients frequently describe the first conversation as the most thorough financial conversation they have had.
The question nobody answers properly
You have spent a career accumulating, and almost every piece of advice you have been given is about accumulating. Then you stop working, and the question inverts entirely.
One team, not four
An advisor at one firm, an accountant at another, a lawyer seen once a decade, an insurance broker you cannot quite remember appointing. We replace the committee.
Tax prepared in-house
Your investment strategy and your tax strategy are built together rather than bolted together in April.
Planning across generations
The planning horizon includes your children and grandchildren. Most of our client relationships eventually include them too.
What we cover
The Private Client Program begins at $500,000 in investable assets.
We say that plainly because it saves you time if it is not a fit, and because the depth of planning we describe is what that threshold pays for.
Toronto, ON
Get the answer in writing.
A 45-minute conversation, then a written plan. No cost, no commitment.
Book your complimentary financial planning session