Retirement planning isn’t about chasing the market—it’s about knowing you’re going to be OK, no matter what. At Scepanovic & Associates, we put financial safety first. If a client were ever to leave us, we’d rather it be because we didn’t take enough risk than because we took too much. That’s the line we draw. And our clients respect us for it.
Because here’s the truth: there’s enough uncertainty in life. Your retirement shouldn’t be another question mark. Our plans are built with a single goal in mind—long-term peace of mind. Whether you’re stepping away from your business, winding down your career, or recalibrating after a big life change, we bring structure and clarity to the process so that every step forward feels calm, considered, and secure.
The retirement plan that lives with you
Life doesn’t stay still. Your retirement plan shouldn’t either.
At Scepanovic & Associates, we believe in living retirement plans—the kind that grow with you, shift as your needs change, and help you pivot with confidence. Whether your health takes an unexpected turn, your children need more support, or your goals evolve, your plan should be ready to adapt.
You don’t need to make every decision today. You just need to work with a team who’s with you long term—refining, adjusting, and proactively guiding you through life’s transitions.
Integrated wealth planning, not just retirement projections
A proper retirement plan doesn’t live on a single spreadsheet. It connects to everything else: your business exit, your tax strategy, your estate goals, and your long-term lifestyle vision.
We integrate every financial element into your plan:
- RRSPs, TFSAs, and non-registered accounts
- Real estate and corporate assets
- Pensions, government benefits, and trusts
Our job is to ensure those pieces all talk to each other—smoothly, tax-efficiently, and in alignment with your actual life. That way, your wealth isn’t pulling in ten different directions. It’s moving forward, clearly and cohesively.
Pension sharing and income distribution
For high-net-worth Canadians, structuring retirement income is more than a math exercise—it’s a tax strategy. We walk you through options like pension sharing, spousal RRIF withdrawals, corporate income splits, and more.
The result? You’re keeping more of your wealth in your hands—and less of it in the CRA’s.
Whether you’re drawing from multiple accounts or selling a business, we make sure the right income comes from the right place at the right time.
Making the shift from accumulation to decumulation
You’ve spent your whole life saving. You’ve been careful. Strategic. Patient.
But when the time comes to switch gears—to start spending that wealth—it can feel deeply unsettling. What’s safe to spend? What if you live longer than expected? What if the market drops?
That’s where we come in. Our decumulation strategies guide you through the shift with care and clarity. We ensure you’re spending the right way, from the right sources, at the right time—so you can enjoy life today without ever putting your future at risk.
Protecting your plan from tax erosion
No plan is complete without tax strategy. Retirement planning done without tax integration is like building a boat and forgetting to seal the hull.
At Scepanovic & Associates, we embed tax thinking into every stage:
- Sequencing withdrawals
- Timing RRIF conversions
- Leveraging pension income splitting
- Maximizing credits
- Funding charities strategically
Taxes are a part of life—but they shouldn’t derail your retirement. With smart planning, we keep more of your money working for you.
Investments that support your next chapter
You’ve reached the phase where preservation matters more than performance—but that doesn’t mean your portfolio stops working. It means it works differently.
We adjust your investment strategy to align with your risk tolerance, income needs, and long-term goals. Whether that means steady dividends, laddered bonds, or conservative growth funds, your wealth keeps contributing to your life—with far less volatility.
Our high-net-worth retirement planning approach ensures your portfolio becomes a reliable partner, not a source of anxiety.
Legacy, family, and the bigger picture
Retirement planning isn’t just about you—it’s about what you want to leave behind.
Whether your goal is to support children and grandchildren, donate to causes you care about, or preserve wealth across generations, we help build that into your plan. We’ll help you:
- Structure trusts
- Minimize estate taxes
- Set up intergenerational wealth transfers
- Build in charitable giving strategies
It’s not about checking a box. It’s about making sure your values live on, even after you’re no longer here to speak them aloud.
A relationship that spans decades
At Scepanovic & Associates, retirement planning is a relationship.
Some of our clients have been with us for decades. Now, we’re serving their children—and their grandchildren. That kind of trust doesn’t come from numbers alone. It comes from consistency. Honesty. And a commitment to doing the right thing, every time.
You won’t get sales pressure here. You won’t get trendy advice or one-size-fits-all plans. You’ll get careful thinking, clear explanations, and a strategy built for your life—and adjusted as it changes.