Retirement & Wealth Planning for Professionals in Oakville & The Greater Toronto Area (GTA)
- 30 years of experience and advanced credentials in financial management
- Tax-efficient retirement income strategies
- Personalized investment and withdrawal planning
- In-person or virtual meetings to suit your schedule
- Clear, documented plans based on Canadian retirement laws
- Coordination with accountants, estate planners, and legal professionals
- Ongoing reviews to adjust your plan based on life and market changes
Comprehensive Retirement & Wealth Planning Tailored for Professionals and Business Owners in the GTA
At InsurPro Financial Services Inc., we specialize in helping professionals—such as doctors, veterinarians, dentists, lawyers, IT consultants—and hardworking small business owners retire with confidence, control, and peace of mind.
With over 30 years of experience and advanced credentials in financial management, taxation, estate planning, and investment strategies, we design retirement plans that protect your wealth, grow it consistently, and provide guaranteed lifetime income.
Whether you’re in Oakville, Mississauga, Toronto, or any part of Ontario, our approach combines proven financial principles with a deep understanding of local tax laws, market realities, and professional challenges.
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The Three Challenges Most Professionals Face
Based on decades of experience serving high-income professionals, we’ve identified three retirement obstacles that can derail even the most disciplined earners:
- Poor Investment results – Traditional options like real estate or the stock market often expose you to market volatility, offer no principal protection, and deliver inconsistent returns.
- The more you make the more you lose to CRA – Without advanced tax and estate planning, up to half of your lifetime savings could be lost to taxes at retirement or upon death.
- If unable to work – no other source of Income for life – Many professionals lack a secure income plan that ensures they won’t outlive their money, leaving them vulnerable to market downturns, inflation, and unexpected expenses, illness, or disability
Our Three Key Solutions
We address these challenges through a structured, transparent planning process designed to:
- 3X Greater Investment Returns: Compared to traditional real estate or stock market options, with 100% principal protection and guaranteed growth.
- Maximum Tax saving strategies, to Preserve Your Wealth for you – not for CRA!: Using advanced tax and estate strategies to keep your hard-earned money working for your family—not the CRA.
- Guarantee Lifetime Income Until Age 100: Reliable, predictable income streams that protect against market downturns, inflation, and unexpected healthcare costs.
Comprehensive Retirement Planning Services
Our retirement strategies are personalized to your financial profile, lifestyle goals, and family priorities. Key services include:
Income Planning & Cash Flow Forecasting
Determine future income needs, bridge potential gaps, and plan for inflation, healthcare, and longevity.
Tax-Efficient Withdrawal Strategies
Coordinate RRSPs, LIFs, pensions, and TFSAs to minimize taxes and avoid OAS clawbacks.
Investment & Portfolio Management
Diversified, risk-adjusted portfolios with guaranteed growth components.
Government Benefits Optimization
Maximize CPP, OAS, and GIS while preserving other income sources.
Healthcare & Long-Term Care Planning
Protect your income from unforeseen medical costs without disrupting your retirement lifestyle.
Why Professionals Choose InsurPro
Over 30 Years of Proven Expertise
Two MBAs (Financial Management & Taxation; Marketing & Finance), FLMI with Distinction, and multiple advanced designations.
Unique Career Background
Experience at the highest levels of insurance and investment underwriting for leading Wall Street and Canadian firms – probably the only financial planner in Canada – who has held the titles of Executive/ AVP of Underwriting. Who understands the delegate legal aspects of insurance planning and Risk management
Specialized Focus
Tailored strategies for high-income professionals and small business owners.
Proven Results
Higher returns, stronger wealth preservation, and lifelong financial security.
Step Retirement Planning Process
We provide financial planning to:
Step 1:
Free Discovery Call
A 15-minute conversation to understand your goals, challenges, and current position.
Step 2:
Complimentary Strategy Call
30 minute strategy call, based on our discovery call to show you the pathway of achieving your financial goals (A written plan integrating your objectives with proven tax, investment, and income solutions).
Step 3:
Implementation, Adjustments and ongoing support
Annual reviews, quarterly check-ins, and year-round access to your advisor.
Serving Oakville, Mississauga, Toronto, & The GTA
InsurPro's advisors understand the local retirement landscape. Whether you're in Toronto facing high living costs or in any part of Ontario with plans to downsize, we align your strategy to local tax realities, healthcare access, and market conditions.
Our regional expertise enables us to help you plan with a comprehensive understanding of local infrastructure, legal regulations, and financial opportunities. This insight creates stronger, more accurate plans you can trust.
Why Clients Trust InsurPro
Common Questions About Financial Planning
A retirement advisor helps define your goals, calculate income needs, and build a personalized financial strategy. They coordinate investment, tax, and government benefit plans to extend your income, reduce risk, and ensure you do not outlive your resources.
The earlier the better. Planning in your 40s or 50s allows time to maximize contributions, align your investments with long-term needs, and make strategic tax decisions. However, even late-stage planning can improve outcomes and reduce risks.
Yes. Retirement advisors often collaborate with legal professionals to coordinate your retirement income plan with your estate goals. This includes beneficiary planning, tax-efficient wealth transfer, and ensuring your assets align with your legacy intentions.
Common mistakes include underestimating expenses, delaying savings, failing to diversify investments, and withdrawing funds in a tax-inefficient order. Some people rely too heavily on CPP or OAS without additional planning, or ignore inflation and healthcare costs.
Retirement income usually comes from a combination of RRSP or RRIF withdrawals, employer pensions, CPP, OAS, TFSAs, rental income, non-registered investments, and, in some cases, part-time work. A coordinated plan ensures these sources are timed and taxed effectively.
Book Your Complimentary Strategy Call Today
Let’s discuss how we can help you secure your financial future. Contact us to arrange your free consultation in person or online.
Call Us at
647-360-9445
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