Time is precious

As you approach retirement you may finally have the time to do what you’ve been dreaming of. If you knew exactly how much time you have, you would be able to plan your entire life and retirement savings perfectly.

A retirement income plan is powerful because time is so unpredictable. By focusing on your goals, a retirement income plan helps you make the most of the time and money that you have. 

“The first decade of retirement is the most crucial one…”

—Moshe Milevsky
from The Calculus of Retirement Income
Finance Professor, Schulich School of Business

A well-planned retirement is a balance between enjoying the early years when you are healthy and able to spend more money while leaving enough assets to ensure you are able to maintain your standard of living for life while leaving a legacy for others should you wish to.

Instead of one source of income from either an employer or your business, your income during retirement will come from many different sources: government programs, workplace and government pensions, and any personal savings you have. 

Once you decide to start these incomes—with few exceptions—you cannot turn them off or make different choices. Deciding when and how much to take is critical and needs a specialized strategy.

A retirement income plan will provide you with:

Cash Flow Strategy

Designed to help you transition to a lower retirement income that maintains your standard of living for life.

Income Strategy

Designed to maximize income, reduce taxes, preserve government benefits and reduce the impact of future health issues.

Investment Strategy

Designed to organize your investments to reduce volatility while withdrawing income. We work with your investment manager to ensure adherence to the plan.

Retire with confidence!

Experience these benefits from our personalized retirement income plans:

Income Longevity

Retirement income that you won't outlive.

Keep More Money

Pay less tax on the income you receive.


Inflation Protection

Guard your income from the increasing cost of living.


Health Impact

Reduce the financial impact of future health issues.

Government Benefits

Preserve government benefits and tax credits.

Income Flow

Know when to turn on your retirement income and how much to take. 

Written Financial Plan

Receive a personalized document that outlines what to do and how to do it.

Wealth Transfer

Enhance the wealth transfer to loved ones or charity.

About Us

Papyrus Planning is an advice-only financial planning firm focused on creating detailed and personalized written retirement income plans for Canadians. Advice-only means we work for you and no one else. No sales. No commissions.

Papyrus Planning is led by David Field—a Certified Financial Planner® and Certified Cash Flow Specialist—who has helped couples and individuals build customized retirement income plans that focus on their goals and priorities.
Papyrus Planning is based in Mississauga, Ontario, Canada but is able to work with Canadians across Canada and abroad.

Enjoy retirement.

All it takes is a quick complimentary 20-minute phone call to learn how specifically a retirement income plan from Papyrus Planning can help you enjoy and make the most of your retirement.

Copyright 2019, Papyrus Planning

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