Retirement Planning

Retire on Your Terms. A Prescription for a Healthy Financial Future.

As a chiropractor, physiotherapist, or RMT, you spend your career caring for others. But have you planned for your own well-deserved retirement? Our specialized retirement planning services for healthcare professionals in BC and Ontario will help you build a secure and prosperous future, with strategies designed for your unique career path.

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Will You Have Enough to Retire Comfortably?

Retirement planning for healthcare professionals is different. Your income trajectory, corporate structure, and lack of a traditional company pension create unique challenges and opportunities. Relying on RRSPs alone may not be enough to sustain the lifestyle you desire. With Canadians living longer and healthcare costs in retirement rising, a proactive and specialized plan is essential.

Whether you are just starting your career or are an established clinic owner, the decisions you make today will have a profound impact on your financial independence tomorrow.

Our Comprehensive Retirement Planning Services

At Athena Financial, we create customized retirement plans that go beyond basic investments. We integrate tax planning, corporate strategies, and wealth management to build a holistic roadmap to your financial goals.

Retirement Income Projections: We analyze your current savings, investments, and corporate assets to project your future retirement income, identifying any potential shortfalls and opportunities.

Individual Pension Plans (IPPs): For incorporated professionals over 40, we can establish an IPP, allowing you to make tax-deductible contributions that far exceed RRSP limits, accelerating your retirement savings.

RRSP & TFSA Optimization: We develop a strategy to maximize your contributions to RRSPs and TFSAs, taking into account the 2026 limits and the interplay with your corporate structure.

Passive Income Strategies: We help you build streams of passive income, both inside and outside your corporation, to supplement your retirement savings and provide financial flexibility.

Tax-Efficient Withdrawal Strategies: We design a plan for drawing income in retirement that minimizes taxes, by strategically combining RRIF withdrawals, TFSA income, and corporate dividends.

The Athena Approach to Retirement Planning

We believe in a proactive, educational approach to retirement planning. We work with you to understand your vision for retirement and then build a plan to make it a reality. Our process includes:

  • Discovery: We get to know you, your family, your practice, and your retirement dreams.
  • Analysis: Analysis:We conduct a thorough analysis of your current financial situation, including your corporate structure, investments, and insurance.
  • Strategy: We develop a customized retirement plan with clear, actionable steps.
  • Implementation: We work with you to implement the plan, from setting up investment accounts to establishing an IPP.
  • Review: We meet with you regularly to review your progress and adjust your plan as your life and the markets change.

"I thought my RRSP was enough, but Athena showed me how an Individual Pension Plan could supercharge my retirement savings. I now feel confident that I can retire 10 years earlier than I thought possible."

– Dr. Michael Liu, Physiotherapist, Toronto, ON

Frequently Asked Questions

I’m young, do I need to worry about retirement planning now?
Absolutely. The earlier you start, the more powerful the effect of compounding growth. Even small contributions in your 20s and 30s can grow into significant sums by retirement.
What is an Individual Pension Plan (IPP) and is it right for me?
An IPP is a defined benefit pension plan for incorporated professionals. It allows for much larger tax-deductible contributions than an RRSP, especially for those over 40. We can help you determine if an IPP is a suitable strategy for you.
How much do I need to save for retirement?
There is no one-size-fits-all answer. It depends on your desired lifestyle, your expected expenses, and your other sources of income. Our retirement readiness assessment can give you a personalized target.

Secure Your Financial Future
Today

Don’t leave your retirement to chance. Take control of your financial future with a personalized retirement plan from Athena Financial. Book your complimentary retirement readiness assessment today and get a clear picture of where you stand and what you need to do to achieve your goals.

Book My FREE Retirement Assessment