Approaching retirement
Determine when retirement is realistic, what after-tax income your assets can support, when CPP and OAS should begin, and which accounts should fund spending first.
Build a retirement-income plan
Retirement planning for Ontario households
Retire with a coordinated income, investment, and tax plan.
Stiller Financial helps Ontario households approaching or living in retirement—and incorporated owners preparing for their next stage—coordinate retirement income, investments, tax, insurance, and estate decisions in one written plan.
Standalone plans are available. Our preferred relationship continues through investment implementation and ongoing review.Who we help
Built for the decisions that become connected near retirement.
The work is most useful when retirement income, investments, tax, insurance, estate planning, or corporate assets cannot be considered in isolation.
Already retired
Review the coming year's spending, RRIF withdrawals, CPP/OAS, pension income, taxable income, cash reserve, portfolio withdrawals, and estate changes before repeating last year's plan.
Review the year ahead
Incorporated business owners
Connect corporate investments, compensation, tax, insurance, succession, and household retirement income without treating the corporation and family as separate plans.
See business-owner planningWritten planning
A plan should show the numbers, decisions, and responsibilities.
Depending on the engagement, your written plan may include:
- Retirement-income projection and sustainable-spending analysis
- Year-by-year after-tax cash-flow projection
- CPP, OAS, and pension-option comparisons
- Withdrawal sequencing across RRSP/RRIF, TFSA, non-registered, corporate, and cash accounts
- Account-by-account investment-purpose map and portfolio recommendations
- Investment-fee and service analysis
- Tax projections and multi-year tax comparisons
- Insurance-needs, beneficiary, and estate-coordination issues
- Written implementation plan with client, advisor, accountant, and lawyer responsibilities
- Ongoing review items and the assumptions that would require the plan to change
The scope varies by engagement. The written scope confirms which analyses, deliverables, and implementation work are included.
Planning engagements
Three ways to work with Stiller Financial.
01
Retirement Readiness & Income Plan
For households within approximately five years of retirement or already drawing retirement income. The work connects spending, pensions, CPP/OAS, withdrawals, investments, tax, insurance, and estate considerations.
Explore retirement planning02
Integrated Wealth & Tax Planning
For households whose investment, tax, insurance, estate, family, or corporate decisions need to be coordinated in one written plan.
Explore integrated planning03
Advisor & Portfolio Second Opinion
For households that want a written review of portfolio purpose, fees, service, tax context, and transfer considerations before changing advisors or moving accounts. A good outcome may be staying with the current advisor.
Request a second opinionThe process
From the first question to implementation.
- 1
20-minute fit call
Identify the decision, confirm whether it fits our scope, and determine whether a standalone or ongoing engagement is appropriate. Do not send financial records before a secure method is confirmed.
- 2
Written scope and information request
We define the questions to answer, the analyses and deliverables included, the responsibilities of each party, and the information needed.
- 3
Analysis and recommendations
We build the projections, compare the alternatives, review the portfolio and tax consequences, and document the recommended actions.
- 4
Implementation
Where engaged to implement, we coordinate investment changes through Investia Financial Services Inc. and identify the work that belongs with the client, accountant, lawyer, insurer, or other professional.
- 5
Ongoing review
In an ongoing relationship, the plan and portfolio are reviewed as income needs, markets, tax rules, health, family, and business circumstances change.
Stiller Financial
Planning depth backed by an operating team.
- Households served
- 500+
- Client assets under administration
- $250M+
- Google rating
- 4.5 stars from 16 Google reviews
- Ontario offices
- 3
“I have a clear plan in place thanks to Matt.”
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“Candid and detailed in the advice he provides.”
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The team
Planning led by Matt Stiller and supported by a dedicated service team.
Matt leads retirement-income and integrated financial planning, portfolio strategy, investment recommendations, and implementation coordination. The Stiller Financial team supports training, meeting preparation, account administration, service requests, and ongoing client communication.
Meet the team
Matt Stiller
Founder & Financial AdvisorCFP®, CEA, CHS, EPCMatt leads retirement-income and integrated financial planning, portfolio strategy, investment recommendations, implementation coordination, and ongoing reviews. He works primarily with households approaching or living in retirement and with incorporated owners whose corporate and personal finances need to be considered together.
Lu Hale
Director of Sales and TrainingLu supports advisor and team training, meeting preparation, planning workflows, administrative backup, and service continuity across the practice.
Sherrie Parsons
Investment Operations AssociateSherrie manages account paperwork and service workflows, including account openings, transfers, contributions, redemptions, trade documentation, and completion follow-up.
Jewel Weber
Client Service AssociateJewel is a primary point of contact for scheduling, client questions, document coordination, account-service follow-up, and day-to-day communication with the office.
Engagement structure
How the relationship is structured.
Standalone plans are available where appropriate. Our preferred relationship combines planning, investment implementation, and ongoing review.
In an ongoing relationship, Stiller Financial is generally compensated through the investment accounts and products implemented through Investia Financial Services Inc. The applicable fees and compensation are explained before implementation.
A standalone plan is scoped and priced before work begins. Ongoing monitoring is not included unless it is separately agreed.
Contact
Start with a 20-minute fit call.
Book online or send a short note with your name, email, and the question you want answered first.
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