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Approaching Retirement
For individuals and families within 5 to 10 years of retirement who need clarity around income, tax, pensions, RRSPs, RRIFs, TFSAs, and withdrawal sequencing.
Boutique wealth advice · Toronto
Better decisions for complex wealth.
Planning-led advice for retirement income, tax, investments, insurance, estate, and business transition.
Most planning gaps stay quiet until a decision becomes urgent.
- Accountants
- Estate lawyers
- Insurance advisors
- Investment advisors
- Corporate structures
- Executors
- Trustees
- Tax planning
- Holding companies
- Buy-sell agreements
- Surviving-spouse income
- Key-person coverage
- Business succession
- Family decision-makers
Boutique wealth advice
Tune out the noise. Your financial life deserves structure.
As wealth grows, decisions become more connected.
- Retirement income affects tax.
- Investment choices affect estate outcomes.
- Insurance affects liquidity.
- Business decisions affect family wealth.
We identify the tradeoffs, expose the blind spots, and help you act before decisions become expensive.
What we believe
Good advice starts before the product conversation.
Most financial complexity does not come from one bad decision. It comes from disconnected decisions made over time.
- An investment account here.
- A policy bought years ago.
- A corporation accumulating assets.
- A retirement date approaching.
- An estate plan that has not been stress-tested.
Our work is to bring those pieces into one clear planning structure.
Perspective
Room to see the whole picture.
Who we work with
For clients whose financial decisions are becoming more consequential.
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Business Owners
For entrepreneurs who need to coordinate corporate assets, retained earnings, insurance, succession, estate liquidity, and eventual exit planning.
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Established Professionals
For high-income professionals who want their savings, investments, insurance, and tax strategy working from the same plan.
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Families Managing Wealth
For families who want a clearer structure for preserving, using, and transferring wealth responsibly.
Planning areas
Advice for the points where financial decisions overlap.
Retirement Income Planning
Turn accumulated wealth into a coordinated income strategy across RRSPs, RRIFs, TFSAs, pensions, non-registered and corporate assets, and government benefits.
Learn moreTax-Efficient Withdrawal Strategy
Clarify where income should come from, when it should begin, and how different sources should be sequenced.
Learn moreInvestment Planning
Build an investment structure aligned with your goals, income needs, time horizon, tax picture, and ability to tolerate risk.
Learn moreInsurance Planning
Use insurance with intention: family protection, business continuity, estate liquidity, tax planning, and wealth transfer.
Learn moreEstate & Wealth Transfer Planning
Coordinate liquidity, beneficiaries, registered assets, insurance, tax exposure, and family intentions before decisions become urgent.
Learn moreBusiness Owner Planning
Connect the business balance sheet with the family balance sheet through corporate planning, succession, insurance, and exit strategy.
Learn moreOur process
Diagnose first. Design second. Execute with discipline.
Financial advice should begin with understanding, not assumption. We start by identifying the planning gaps, risks, and opportunities that may be hidden inside your current structure. From there, we help build and execute a practical plan.
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Diagnose
We clarify what is happening across your retirement, tax, investment, insurance, estate, and business picture.
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Design
We build a strategy around the highest-impact decisions, not theoretical perfection.
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Execute
We help put the right pieces in place and review them as life, markets, tax rules, and priorities change.
Why Aster
Boutique advice with planning depth.
Aster Wealth is built for clients who want careful financial guidance without unnecessary complexity.
The goal is not more information. It is better judgment.
This may be a fit if
A few signs the diagnostic is worth your time.
- You are within 5 to 10 years of retirement
- You own a corporation or professional practice
- You have meaningful registered, non-registered, or corporate assets
- You are coordinating retirement, tax, estate, or insurance decisions
- You want planning before making a major financial move
Start here
Before making recommendations, we diagnose.
The Financial Diagnostic is a structured first step — a clear read on where your plan is strong, where it is exposed, and where better planning could add real value.
Better decisions compound.
A strong financial plan does not need to be complicated. It needs to be clear, coordinated, and acted on.