Winding down self-employment and planning for retirement

A sixty-year-old earning a solid but commission-based income wants to understand how to wind down self-employment and shift toward retirement. Variable, fully commissioned earnings make planning harder, because income can swing year to year and there is no employer pension or steady paycheque to lean on. This piece works through the questions that matter at this stage: how to convert years of savings into a reliable income, when to start government benefits like CPP and OAS, and how to sequence withdrawals from registered and non-registered accounts in a tax-aware way. It also touches on the emotional side of stepping back from work that has defined a person's days and finances. It is most relevant to self-employed Canadians and commissioned earners approaching their sixties who need to replace an irregular income with something dependable, and want a sense of whether the timing works.