You’ve spent years building your wealth—now it’s time to shift your focus to enjoying and protecting it. Transitioning from accumulation to preservation is more than a financial milestone—it’s a mindset shift. After years of saving, investing, and growing your net worth, you’re now thinking about how to make that wealth last, how to use it meaningfully, and how to feel secure in every decision going forward. At Sylvain Morin & Associates, we specialize in helping pre-retirees and retirees embrace this next phase with clarity and confidence. 


 

This isn’t about simply “winding down”—it’s about reshaping your financial life to fit your evolving goals. You may want to travel more, support your children or grandchildren, pursue long-deferred passions, or simply maintain the lifestyle you’ve worked so hard to build. And with longer life expectancies, rising costs, and shifting tax rules, your financial strategy needs to be more dynamic than ever.

We understand that retirement planning isn’t just about numbers. It’s about peace of mind, family priorities, and the freedom to enjoy your wealth without worry. Our role is to help you design a plan that supports your lifestyle now, protects your future, and reflects the legacy you want to leave behind.

 

 

Key retirement priorities

We understand what matters most to you. Let’s plan together to help address these key retirement priorities.

  • Living longer, living well: Today’s retirement could last 30 years or more. That means your financial plan needs to account not just for the basics, but for a long, fulfilling life. We help you build a strategy that supports your health, hobbies, travel, and unexpected expenses—all while preserving your long-term security.
  • Tax optimization: Taxes can quietly chip away at your savings if left unchecked. We take a proactive approach, using tools like income splitting, tax-efficient withdrawals from RRIFs and TFSAs, and smart timing strategies to reduce your overall tax burden and extend the life of your portfolio.
  • Sustainable income planning: You’re no longer earning a paycheque—so where does your income come from? We create diversified, tax-efficient income streams that balance stability and growth. Whether through pensions, RRIFs, non-registered accounts, or dividends, we help you draw income in a way that fits your lifestyle and minimizes tax exposure.
  • Legacy planning: A proper estate plan isn’t just about distributing assets—it’s about preserving your values. We help you structure your estate to ensure your family is protected, your intentions are honoured, and your legacy is meaningful. Trusts, charitable giving, and tax-efficient transfers are just some of the tools we use.
  • Healthcare planning: The cost of healthcare—especially in later years—can be significant. We help you prepare for health-related expenses with strategies that preserve your independence and reduce the financial strain on your family.
  • Adjusting your investment approach: Your investment strategy in retirement should evolve. We help you reduce unnecessary risk while still growing your wealth over time. Our goal is to balance stability with opportunity—ensuring your money works for you without creating stress or uncertainty.

At Sylvain Morin & Associates in Halifax, we take the time to understand your aspirations and priorities. With our personalized financial guidance, you can look forward to a retirement that’s not only comfortable but fulfilling. Let us help you make the most of your wealth—today and for generations to come.