Atlantis Financial
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Who We Help

Retiring to
something, not from something.

Our clients are approaching retirement or already there, and they tend to share one thing: an active life they want their money to support. Travel, health, family, community, the calendar stays full. We explore the possibilities with you, in real time, until the plan fits the pace you want to keep.

An active couple walking on a beach at sunset, the kind of retirement they've planned for together.
The Scenarios We Explore

We don't plan around a product. We plan around the life you want to keep living.

Scenario based planning starts with how you want to spend your time, not just how much you have saved. The plan is different for everyone, and it takes shape collaboratively, together in the meeting. The questions below are the ones that come up again and again for active Canadians approaching or already in retirement.

Scenario 01

Retiring to something, not from something

The first conversation is not about a number. It is about what a full, active life actually looks like once work is not filling the calendar.

Questions we model

  • What does an active retirement look like day to day, and does the plan actually support it?
  • How much of my current travel, activity, and social life can carry forward once I stop working?
  • Could I retire sooner than I think, or does the plan need another year or two?
  • How do we know the plan can keep pace with the life I want to keep living?

Scenario 02

Keeping the income flowing while you are on the move

An active retirement can mean spending that shifts by the season, not a flat monthly withdrawal.

Questions we model

  • How do withdrawals work if travel season means I need more some months than others?
  • When should I take CPP and OAS, at 60, 65, 70, or somewhere in between?
  • Which account funds an active lifestyle without accelerating tax or triggering the OAS clawback?
  • Can the plan flex if I travel more, or less, than we originally modeled?

Scenario 03

Staying protected while you stay active

Travel and an active pace of life raise different insurance questions than a quieter retirement does.

Questions we model

  • What kind of travel insurance actually covers an active retiree, and where are the gaps?
  • Does it still make sense to carry life insurance once the kids are independent?
  • What retiree coverage fills the space once workplace benefits end?
  • How does the plan absorb a health event without derailing the rest of the picture?

Scenario 04

Two people, two active lives, one plan

Couples rarely want to spend retirement the same way. The plan has to hold both.

Questions we model

  • How do we coordinate CPP and OAS timing around two different retirement dates?
  • What if one of us wants to travel constantly and the other wants to stay closer to home?
  • How do we plan around different activity levels, different risk comfort, and different timelines?
  • What happens to the plan, and the lifestyle, if one of us is no longer here?

Curious how the details work? Our planning guides go deeper on CPP and OAS timing, RRSP and RRIF withdrawals, and pension commutation, and our investment approach explains how portfolios are built to fund the life you have in mind.

Is This You?

How many of these sound like your retirement?

There is no set number you need. If a few of these sound like you, a collaborative, scenario based conversation may be a good fit. The picture becomes clearer as we explore it together.

Take the 10 question quiz
  • Travel is a regular part of your year, not an occasional trip
  • You stay active through sport, fitness, or outdoor pursuits
  • Your social calendar stays as full as it was before retirement
  • You are approaching retirement and picturing what fills the time
  • You want a plan that flexes around your schedule, not one that boxes you into it
  • You are retiring toward hobbies, family, or community, not just away from work
  • You value a collaborative conversation over a product recommendation
  • You would rather see the tradeoffs modeled out loud than be told there is one answer
  • CPP, OAS, or RRIF timing decisions are on your mind
  • Insurance and health considerations matter to how you plan, not just how you invest
In Their Own Words

What has been your experience, Liz?

Google4.917 reviews
“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.”
Jen Tindale · via Google
“Allan's work in financial planning for retirement is professional and trustworthy. He is knowledgeable, calm and experienced and he skillfully helped analyze different options for me.”
charmaine hoo · via Google
“Allan makes us feel secure with our port folio and never makes us feel that our questions are not important. He takes his time when sharing his screen and makes sure we understand as we go.”
Tina Todd Hartwick · via Google
Where We Work

Two ways to work with us. The same experience, either way.

Clients tend to fall into one of two categories, and both may explore the same collaborative, scenario based process with us.

Local Clients

You may be in Barrie or the surrounding area and like the option of meeting in person from time to time. Our office is in Barrie, Ontario, roughly an hour north of Toronto.

Long Distance Clients

You may be anywhere else in Canada, from Vancouver Island to St. John's, and work with us through Zoom meetings, phone calls, and email. Many clients we've worked with for years have never been to our office.

Wherever you are, the planning experience can stay the same: the same collaborative conversation, the same scenarios explored together in real time, just delivered by the medium that suits you. Wondering what that conversation actually looks like? See how our process works, from the first conversation through to an active plan.

Recognise yourself in any of this?

Start a conversation, or take the quiz first.

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Atlantis Financial Inc.

Scenario-Based Financial Planning · Virtual & In-Person

(705) 726-6884 · 1 (800) 842-1332

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