Too many retirees—especially successful business owners—struggle to feel comfortable spending what they’ve earned. We challenge that idea. With proactive service and clear guidance, we show you how to enjoy your wealth confidently. That might mean upgrading your lifestyle, helping your children buy homes, or making a difference through charitable giving—all while knowing your financial foundation remains rock solid. At Cardiff, Lee & Associates Wealth Management, we create plans that help you shift from building wealth to enjoying it. Whether you’re planning to sell the business, pass it to the next generation, or slowly step back while keeping income flowing, we’ll help design a retirement strategy that puts you in control and keeps your lifestyle front and centre.
Small business retirement plans with big-picture thinking
Running a business means constantly planning ahead. Retirement should be no different. We specialize in small business retirement plans that integrate with your broader financial world—corporate assets, personal investments, pensions, and tax strategies—ensuring every part works together.
From RRSPs and TFSAs to retained earnings and holding companies, we structure your plan to align your retirement goals with your business and personal wealth.
The decumulation shift: From saving to spending with confidence
After years of disciplined saving, switching to spending can feel unnatural—even risky. That’s why we guide you through this transition with structure and reassurance. Which accounts to draw from first? How much can you safely spend? How do you avoid triggering unnecessary taxes?
We develop decumulation strategies that balance enjoyment and prudence—so you can travel, support family, and pursue passions without worrying about running out of money.
Pension planning, sharing, and splitting
Pensions are an essential piece of the puzzle, and we make sure yours works hard for you. Whether you’re navigating a pension sharing strategy with a spouse, evaluating pension separation in the event of divorce, or planning around CPP, OAS, or private pensions, we take a tailored, tax-aware approach.
And if you’re dealing with a widow pension or the financial aftermath of a spouse’s passing, we’ll walk alongside you with care and clarity—helping you make decisions from a place of strength.
Your business exit strategy, fully integrated
Planning to exit your business? Whether it’s through a sale, a management handoff, or a family succession, we make sure your business exit strategy is timed and structured to support your retirement goals.
That means preparing your business for sale, minimizing taxes, maximizing proceeds, and converting those assets into reliable income. It also means reviewing shareholder agreements, life insurance, and estate implications—all with a view toward a seamless transition into retirement.
Built for change: Living plans that grow with you
Retirement is a new phase of life, filled with change. That’s why we build what we call a “living plan”—a dynamic retirement strategy that adjusts as your life evolves. Dreaming of a second home? Facing a health challenge? Welcoming a grandchild? We recalibrate as needed—rebalancing your portfolio, adjusting your drawdown strategy, or uncovering new tax opportunities—so your plan always supports the life you want today.
Our proactive, high-touch retirement planning process
We stay connected, continuously monitoring your plan to identify opportunities and risks before they appear. Our clients trust us to take care of the details—like tax minimization, investment alignment, and legacy planning—so they can stay focused on living life.
As your financial coach and retirement partner, we bring structure, motivation, and peace of mind to one of life’s biggest transitions. You’ll never have to wonder if you’re on the right track—you’ll know.