Retirement from the military doesn’t always mean full retirement.

Many retired military members move into private-sector careers, consulting, management roles or business opportunities. By the time they are in their 50s or early 60s, they may have a pension, strong current income, investments, benefits, property and bigger decisions ahead.

Our Belleville and Prince Edward County wealth planning team helps retired military and high-income second-career professionals connect those moving parts into one clear plan.

Overjoyed soldier tickling small daughter while sitting at home

Making the most of your pension

A military pension can be a valuable foundation, but it still needs to be coordinated with the rest of your financial life.

We help clients think through:

  • Pension income
  • CPP and OAS timing
  • Registered and non-registered savings
  • Spousal income needs
  • Taxable income
  • Survivor benefits
  • Estate goals

Planning around second-career income

A strong second career can create new planning opportunities.

You may be earning well while also receiving pension income. That can raise questions about tax, savings, investments and when to fully retire.

We help clients consider how to use high-earning years wisely, including how much to save, where to invest, how to manage tax and how to prepare for future income changes.

Knowing when to fully retire

The second retirement decision can feel different from the first.

You may want to know:

  • When work can become optional
  • How much income you need
  • How long your assets may last
  • How to draw income efficiently
  • How to protect your spouse
  • How to reduce tax in retirement
Indoor shot of military man wearing camouflage uniform and hat holding house keys, mortgage assistance from a veterans organization, extremely happy soldier male

Protecting family and estate goals

For many retired military and second-career professionals, planning should connect income with family protection.

We help clients across Belleville, Picton, Wellington and the Bay of Quinte think through estate planning, insurance, beneficiary choices, wealth transfer and support for children or grandchildren.

Plain-language advice

Financial planning can involve pensions, investments, tax, insurance, estate planning and retirement income. It should still feel understandable.

Our plainspoken approach helps make complex planning easier to fully understand.