What if your retirement could be your most confident and rewarding chapter yet?
At Heidi Blondin Financial, we believe retirement should be a time of freedom—not financial stress. Whether you’re five years away or already retired, our Retirement Income Planning services are designed to help you build a reliable, tax-efficient income stream that supports your lifestyle and legacy.
What Is Retirement Income Planning?
Retirement Income Planning is the process of transforming your savings into a sustainable income that lasts throughout retirement. It’s not just about having enough—it’s about strategically managing withdrawals, taxes, and investments so you can enjoy life without worrying about market volatility or unexpected expenses. A well-crafted retirement income plan, allows you to approach your future with confidence, knowing your finances are structured to support your goals and provide peace of mind throughout your retirement years.
We help you:
- Maximize income from RRSPs, TFSAs, pensions, and non-registered accounts
- Optimize government benefits like CPP and OAS
- Minimize taxes through smart withdrawal strategies and income splitting
- Plan for major purchases: Budget for vehicles, home repairs, and other anticipated big expenses in your retirement strategy.
- Plan for inflation, healthcare costs, and longevity risk
- Align your financial plan with your personal goals and values
Our Process: From Vision to Plan
Creating a Comprehensive Financial Plan is like assembling a puzzle—each piece matters. Here’s how we guide you:
Step 1: Discovery
We start with a deep dive into your goals, lifestyle, and financial picture. You’ll complete our New Client Intake Form and Wealth Map.
Step 2: Gather Your Documents
To build your plan, we’ll need:
- Employer Pension statements and projections
- Group retirement savings details (employee/employer contributions)
- Investment statements (RRSP, TFSA, non-registered)
- Insurance policy details
- Corporate structure (if incorporated)
- Monthly budget (use our Worry-Free Budget Template)
- Target after-tax retirement income
- CPP and OAS projections (where to track down details -> DROP DOWN see content below)
- List of goals, priorities, and major upcoming purchases
- Dates of birth for all family members
- Current savings contributions
- List of people you want to provide a legacy for
- Details of any Charitable Giving you want to incorporate into your plan
Step 3: Analysis & Planning
We prepare a Retirement Readiness Number and model various scenarios to show how long your savings will last, what gaps exist, and how to fill them.
Step 4: Presentation
You’ll receive either a 6-page simplified summary or a 25–30 page comprehensive plan—your choice. We walk you through every detail so you feel confident and informed.
Step 5: Ongoing Support
Your plan is a living document. We revisit it after major life changes or every few years to ensure it stays aligned with your evolving goals.
Why Clients Choose Us
- Personalized Planning: Every plan is tailored to your unique goals and lifestyle.
- Creative Approach: We blend financial expertise with creativity to make planning approachable and empowering.
- Trusted Experience: With over a decade of service, we’ve helped hundreds of families in Kingston and beyond prepare for retirement with clarity and confidence.
Ready to Start?
Download Our Retirement Planning Checklist
Call us at 613-887-2726 to speak with our team.
Let’s build your retirement masterpiece—one thoughtful step at a time.