Woman worth about $4M is scared it won't be enough to retire

A 65-year-old single woman has built close to $4 million across RRSPs, a TFSA, non-registered savings, a couple of rental properties and a private corporation, and by most measures she should feel set. Instead she writes in for a second opinion because she isn't confident the number is actually enough to retire on. Allan and Julie Cazzin use her situation less to crown a verdict and more to walk through what separates a plan that genuinely holds up from one that only looks tidy on paper. That comes down to a handful of habits: working through the numbers together rather than handing over a spreadsheet and hoping, resisting the urge to skip the messier details that don't fit neatly into a template, grounding every projection in assumptions that could actually happen, and treating the plan as something to revisit every year rather than a one-time exercise you file away. It's a reassuring read for anyone with real assets who still lies awake wondering if they've done enough, and a good illustration of why the process behind a plan matters as much as the balance sheet feeding it.