Scenario-based financial planning.
We model your real options together, live, until the path is clear — for Canadians at or near retirement, facing decisions that can't be undone.
One projection. One set of assumptions. Printed in a binder you'll open once. But retirement is full of decisions you can't take back. When to take CPP. Whether to commute your pension. How to draw down your accounts.
Guess wrong, and you could hand the CRA tens of thousands more than you owed, or find out too late that you could have retired earlier, given more, and worried less.
You deserve to see the whole picture before you decide. Not after.
You've built something. Now you're facing the decisions that turn savings into a retirement: when to stop working, when to take CPP, how to draw it all down without overpaying. They're more tangled than anyone prepared you for, and some can't be undone.
You've had advisors. You've had plans. You've never had someone sit with you and model the real options, live, until the answer was clear.
If that sounds like you, you don't need another binder. You need to see it for yourself.
See the scenarios we plan aroundA relaxed 30-minute call. You talk, we listen. No cost, no obligation, and no pressure to go further.
We model your real options together, live in the meeting, adjusting and comparing until the trade-offs are obvious.
Choose the path that fits your life, and put it into action with us alongside you for the long run.
Not a projection. A live conversation with your possibilities.
Most financial planning starts by asking what you want, before you've ever seen what's possible. We start with your life. Together, in real time, we explore the futures that might exist for you, adjusting, comparing, asking what if, until you see clearly what works, what doesn't, and what you actually want.
Traditional planning gives you a single projection and calls it a plan. Scenario-based planning shows you the full landscape of what's possible , so your decisions are made with clarity, not guesswork.
Ten questions to find out whether the financial advice you've been getting actually matches the complexity of your life, and whether you've been asking the right question all along.
Takes about five minutes. Your result might surprise you.
Four phases, each building on the last, forming a loop that compounds over a lifetime of planning. Each time we return, we do so from a higher vantage point.
Facts · Experience
We learn what's true today, every asset, every income source, every constraint, and what you've learned about money along the way.
Wants · Vision
We explore what's possible, live, in the meeting, by adjusting one variable at a time. Retire at 62 vs. 65. Sell the cottage or keep it. Commute the pension or take it monthly.
Goals · Decisions
Once you've seen the landscape, the right path becomes obvious. We choose it together and document the decisions.
Tactics · Renewal
We execute, investment allocations, tax sequencing, insurance, estate documents. Then we return to Discovery, because life changes.
Possibilities always at the centre
Each cycle doesn't just repeat — it compounds upward. Your life changes. You retire, sell a business, lose a spouse, discover that what you want at 70 looks different than what you imagined at 55. When that happens, we return to Discovery — and the process runs again from a higher vantage point.
Download: Enough? by Paul ArmsonThe book that asks the question most advisors never do, free PDFHow much is enough, and what does more than enough make possible for the people and causes you love?
A story is an arc: before, during, after. These are real situations we've worked through. Yours would be your own.
They had a DB pension, two RRSPs, a cottage, and a corporate portfolio. Every advisor they'd seen gave them a number to hit. Nobody had ever asked them what the number was actually for.
“For the first time, I understood what we actually had, and that we could afford to stop worrying and start planning the trips we'd always deferred.”
Retired couple, Ontario
She was 58, with a DB pension and a significant RRSP. Her husband, 69, had already retired. She didn't know whether to keep working, when to take CPP, or whether the lifestyle they wanted was even fundable.
“We ran five different scenarios in one meeting. By the end, I knew exactly which one fit our life, and that I could retire two years earlier than I thought.”
Teacher, approaching retirement
He'd built a successful business with retained earnings, personal RRSPs, and a ski property. His old advisor had a standardised approach that never quite fit.
“We mapped the whole picture, business assets, personal accounts, what I wanted to leave behind, and built something I actually understood and believed in.”
Business owner, transitioning out
“Allan was able to demonstrate many different retirement scenarios such as: taking CPP at 65 versus 60 or 70; what our investment income and net worth would be like at various rates of return; adjusting other variables such as our spending and travel budget.”
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Specialist Partner
Mitchell is a specialist partner we bring in when your situation calls for specific expertise — tax, legal, estate, or corporate planning. When you work with Atlantis, you have access to his knowledge too.
These are the questions people actually bring to a first conversation. You're probably wondering some of them too.
See all 25+ questionsThere's no universal right age. Delaying CPP to 70 increases your payment by 42% versus age 65, but it only pays off if you live long enough to collect more in total, which depends on your health, longevity, other income, and whether your spouse has their own CPP. We model your specific situation as a scenario, not a formula, so the timing decision is made with the full picture in view.
Tell us a little about your situation and we'll take it from there. Or take the quiz first, ten questions to find out whether the financial advice you've been getting actually matches the complexity of your life.
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