Retirement Planning

Build a Comfortable, Confident Retirement

Whether you’re just starting to plan or approaching retirement, we create a custom roadmap to help you enjoy your future on your terms.

Gain Clarity on Key Questions

✅ How much do I need to retire comfortably?

✅ Should I prioritize RRSP or TFSA?

✅ When should I start taking CPP?

✅ How do I convert savings into sustainable income?

✅ What do I do if I don't have a pension?

✅ How do I minimize the amount of taxes taken from my income?

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Experience

How We Help

RRSP contribution planning

TFSA growth strategies

Pension plan reviews

CPP & OAS optimization

Retirement income planning

Tax-efficient withdrawal strategies

Understanding Canada’s Retirement System

Government Benefits & Retirement Income

Government programs play a major role in retirement income for Canadians. Understanding how they work — and how they interact with your personal planning — is essential.

Key Programs Explained

Canada Pension Plan (CPP)

CPP provides income in retirement based on your contribution history. Timing decisions can impact lifetime income.

Old Age Security (OAS)

OAS is available to most Canadians over age 65, but income levels can affect eligibility.

Guaranteed Income Supplement (GIS)

GIS supports lower-income retirees and depends on household income.

Why This Matters

Government benefits interact with:

✅ Personal savings

✅ Investment income

✅ Tax planning

✅ Retirement timing

Understanding the full picture allows for more informed decisions.

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Our Approach

We focus on education so you can understand:

✅ What benefits you may qualify for

✅ When to apply

✅ How benefits fit into your broader plan

Retirement income planning is about coordination. Let’s talk today and explore your full retirement income picture.

At Pryce Financial, we believe every Canadian deserves a clear, simple, and personalized path toward financial security.

Contacts

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Address

2ab-27 Manitou Dr Kitchener, ON N2C 1K9

Disclaimer

In Canada, Pryce Financial Insurance Agency Inc. offers life insurance and segregated funds, while Pryce Financial Securities Inc. offers mutual funds. Both entities operate as affiliated companies.

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