You’ve worked hard, saved diligently, and made smart decisions along the way. Now, as you approach or settle into retirement, it’s time to make a different kind of decision—the kind that helps you enjoy what you’ve built while making sure it lasts.

At Cardiff, Lee & Associates Wealth Management, we specialize in guiding pre-retirees and retirees through this critical transition.

Whether you want to travel, support your family, explore new passions, or simply maintain the lifestyle you love, we help you shape a plan that brings clarity and calm to this next chapter.

Shifting from building wealth to living with it

After years of saving and planning, many retirees struggle with questions like:

  • Am I drawing from the right accounts?
  • Will my savings really last?
  • What happens if markets drop?
  • Can I afford to help my children or donate more?

We’re here to take the guesswork out of retirement. At Cardiff, Lee & Associates, we provide structure, support, and smart strategies that allow you to stop wondering—and start enjoying your wealth with purpose.

Planning for a longer, more meaningful retirement

Today’s retirement could last 25 or 30 years—or more. That means your plan must go beyond the basics. We help you build a flexible, forward-looking strategy that supports your goals and adapts as your life evolves. Here’s how we help:

  • Sustainable income planning

    You’re no longer earning a traditional paycheque, but that doesn’t mean your income stops. We create reliable, tax-efficient income streams using pensions, RRIFs, non-registered accounts, dividends, and TFSAs—balancing stability with opportunity.

  • Tax efficiency that protects what you’ve built

    Taxes are one of the biggest threats to retirement income. We implement strategies like income splitting, smart withdrawal sequencing, and tax-aware investment allocations to reduce your tax burden—so more of your money stays with you.

  • Investment strategies that evolve with you

    Retirement doesn’t mean your portfolio stops working—it just needs to work differently. We help you reduce unnecessary risk, maintain appropriate growth, and ensure your investments align with your lifestyle and long-term needs.

  • Legacy and estate planning

    What you leave behind matters. Whether you want to support your family, give to charity, or ensure your wishes are honoured, we help review your estate plan and provide guidance to ensure it aligns with your broader financial strategy.