Pension & Workplace Retirement Planning
Understand how workplace pensions, group RRSPs, LIRAs, CPP, OAS, RRIFs, TFSAs, and personal investments can work together to support your retirement income.
Explore Retirement HUB →Your Workplace Plan Is Only One Part of Retirement
Many Canadians enter retirement with a mix of workplace pensions, personal savings, government benefits, and registered accounts. The challenge is coordinating them into one clear income strategy.
Defined Benefit Pension
Understand guaranteed pension income, survivor options, bridge benefits, indexing, and how a DB pension fits with CPP and OAS.
Defined Contribution Pension
Review contribution-based plans, investment choices, retirement income options, and how market performance may affect future income.
Group RRSPs & DPSPs
Coordinate workplace savings plans with personal RRSPs, TFSAs, retirement income goals, and tax planning.
LIRAs & Locked-In Accounts
Understand locked-in retirement accounts, withdrawal restrictions, LIF options, and how they fit into retirement cash flow.
Tax & Income Coordination
Review pension income splitting, RRIF withdrawals, taxable income, CPP/OAS timing, and tax-efficient retirement income sequencing.
Need a Coordinated Retirement Plan?
Bring workplace pensions, CPP, OAS, RRSPs, TFSAs, and investment income together into one retirement strategy.
Book Pension Review →Review Your Workplace Retirement Options
Whether you have a DB pension, DC pension, group RRSP, LIRA, or workplace savings plan, the key is understanding how it fits into your broader retirement income strategy.
Model My Retirement Scenario →Know Where You Stand Before You Retire
Estimate your CPP, OAS, GIS, retirement income, and potential income gap in just a few minutes. Receive a personalized Retirement Readiness Score with practical next steps to help you retire with confidence.
Start My Retirement Income Estimate →Planning & Strategy Centres
Explore GMFSI planning resources for retirement, investments, insurance, group benefits, estate planning, government benefits, and financial decision-making.
Investment strategy
See where you are.
Choose where to go.
Enter the dollar value of what you own today. The tool converts those holdings into percentages automatically, so you can compare them with a recommended target.
Today
Current Portfolio
Recommended
Target Portfolio
Simple guide
Four steps. One clear comparison.
Enter current values
Type the current dollar value for each asset category. Enter zero when the client does not own that category.
Review the percentages
The current portfolio total and percentage allocation are calculated automatically as you type.
Set the target
Enter the recommended percentage for each category. The target should add up to exactly 100%.
Compare the mix
Use the two charts to discuss how the proposed portfolio differs from the client’s current holdings.
Illustrative planning tool only. A recommendation should reflect the client’s objectives, time horizon, risk tolerance, and circumstances.
Reference portfolios
Four model portfolios.
Illustrative reference points—not automatic recommendations.
Preserve
Conservative
Stabilize
Balanced
Accelerate
Advanced
Maximize
Aggressive
Model portfolios are provided for comparison and education. Confirm suitability before using any allocation as a recommendation.
What Could Your Savings Provide in Retirement?
Explore how your current savings, ongoing contributions, investment return and retirement timeline may shape your future portfolio and potential retirement income.
- ✓ Project your future savings
- ✓ Estimate retirement income
- ✓ Compare inflation-adjusted values
Gain confidence before making
your next financial decision.
Whether you’re planning for retirement, investing for the future, protecting your family, or simply looking for greater financial clarity, every successful plan begins with one conversation.
Choose how you’d like to get started: