Atlantis Financial Inc.
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Who We Help

Built for the
complicated years.

Most planning assumes a simple situation. Ours starts where your real life is, with a pension, a business, a portfolio, a partner, an estate, and a lot of decisions whose timing matters as much as their outcome.

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

We don't plan for a type of person. We plan for the questions.

Scenario-based planning works for any situation complex enough to need it. The plan is different for everyone. The questions we model are the same ones almost every Canadian near or at retirement actually has.

Scenario 01

When to retire, and when to start drawing

The timing questions almost every Canadian near or at retirement faces.

Questions we model

  • When should I actually retire, and what changes if I work one more year, or two fewer?
  • When should I take CPP and OAS, at 60, 65, 70, or somewhere in between?
  • When should I convert my RRSP to a RRIF, and start drawing what?
  • What does the income look like if I bridge with my own savings before government benefits kick in?

Scenario 02

How to draw across multiple accounts

Drawdown sequencing is one of the highest-impact, least-discussed planning moves in retirement.

Questions we model

  • Which account should I pull from first, RRSP, RRIF, TFSA, or non-registered?
  • Does a strategic RRSP drawdown before age 71 actually save tax over my lifetime?
  • How do I coordinate withdrawals to avoid the OAS clawback?
  • What's the year-by-year income plan that gets me through 25–30 years with the least tax leakage?

Scenario 03

Major transitions and one-time decisions

The irreversible moves where running the scenarios matters most, before, not after.

Questions we model

  • Should I commute my pension or take it as monthly income for life?
  • What does selling a business, farm, or rental property do to the rest of my plan?
  • How do I draw down retained earnings in a corporation alongside personal income?
  • If I receive a severance, inheritance, or one-time windfall, what's the most efficient way to deploy it?

Scenario 04

Planning across two people, two timelines

Couples almost never have perfectly aligned situations. The plan has to live across both.

Questions we model

  • How do we coordinate CPP across two timelines so the total payout is maximized?
  • What happens to the plan if one of us passes away before the other?
  • If we're at different career stages, how do we plan the years before we're both retired?
  • How do we handle different drawdown rates, different RRIF conversion ages, different tax brackets?
Complexity Inventory

How many of these apply to you?

Four or more is the threshold where traditional planning starts to break down, and where scenario-based planning earns its keep. Six or more is where most of our clients sit when we first meet.

Take the 10-question quiz
  • Pension or CPP/OAS timing decisions ahead
  • Corporate or holdco assets to manage
  • Business transition or sale on the horizon
  • Estate planning needs across generations
  • Mix of registered and non-registered accounts
  • Variable or undecided retirement date
  • Significant spousal income differences
  • Insurance considered as a financial planning tool
  • Second property (cottage, rental, US asset) to coordinate
  • Charitable giving planned alongside estate
In Their Own Words

What has been your experience, Liz?

Google4.910 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
Where We Work

Based in Barrie. Working across Canada.

Our office is in Barrie, Ontario, roughly an hour north of Toronto. We work with clients in person across central Ontario, the Greater Toronto Area, and Muskoka.

We also work virtually with clients across Canada, from Vancouver Island to St. John's. The scenario tools we use are designed for the screen as much as the boardroom, and the planning is the same either way. Many clients we've worked with for years have never been to our office.

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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