Murphy Wealth Planning Murphy Wealth Planning
Get in touchLogin

Plan my retirement income

Turn a lifetime of saving into income that lasts.

The question underneath it all: do I have enough to fuel my retirement? We flip your net worth on its axis so it funds your cash flow and tax efficiency, and builds the retirement you actually want.

One flat fee. A plan that is yours to keep.

See plans and pricing Get in touch
Individual plan
$2,500one flat fee, plus GST/HST
+ $500 annual retainer (optional)
Get in touch

For one person turning their own savings into retirement income.

What your plan covers
  1. Cash flow optimization, how much you can safely spend
    • A year-by-year drawdown and income schedule
  2. Government benefit timing
    • CPP start-date strategy
    • OAS and clawback management
  3. Lifetime tax minimization
  4. TFSA contribution optimization
  5. RRSP meltdown strategy
  6. Laddered, dependable retirement income
  7. Estate goal maximization
Most common
Household plan
$3,000one flat fee, plus GST/HST
+ $500 annual retainer (optional)
Get in touch

For a couple or household planning their retirement together.

What your plan covers
  1. Household cash flow optimization, how much you can safely spend
  2. Government benefit timing
    • CPP start-date strategy for both partners
    • OAS and clawback management
  3. Lifetime tax minimization
  4. TFSA contribution optimization
  5. RRSP meltdown strategy
  6. Laddered, dependable retirement income
  7. Estate goal maximization
  8. Spousal income splitting
  9. Longevity stress testing, so the plan holds if one of you lives well into your 90s

Choose the plan that fits your household. Each is a 2 to 3 meeting process that ends in a written financial plan, delivered and walked through with you. The optional annual retainer covers a full annual review, a quarterly check-in, and a resource whenever questions come up.

Client service and experience

Full access to the software, and a plan that keeps up with your life.

Here is what working with us looks like once your plan is built.

Full access to your plan

You get your retirement plan in every form: a physical copy and a PDF to keep, plus a live version through your own secure client login on our portal, always within reach.

Visit the client portal

Adjust it any time

Once your plan is done, any small changes or tweaks you would like to make on your end are right there in the portal, so your plan moves with your life instead of sitting on a shelf.

We stay in your corner

Our annual retainer programme means you can reach out to us any time. We keep checking in and touching base to make sure we have done right by you and you are looked after, long after your plan is delivered.

What this is

A clear, written plan for the years you spent a lifetime saving for.

After decades of building a nest egg, the hardest question is not how much you have, it is how to turn it into a paycheque that lasts. Which accounts to draw from, and in what order. When to take your government benefits, how to keep more of it in your pocket, and how to do that without eroding the wealth you've worked so hard for.

We model your real numbers and give you a written plan you keep: how much you can safely spend, how your income is drawn down year by year, and the scenarios around it, so retirement feels certain instead of guessed at.