Athena Financial · British Columbia & Ontario
Saving for retirement can seem hard, but it doesn’t have to be. Let’s connect your savings, pensions, and future income with the retirement you have in mind.
Book my complimentary assessment20-minute introductory call · No charge · No obligation
Start with what matters to you
We handcraft customized solutions tailored to each client. Which priority would you bring to our first conversation?
Your starting point: Understand my income needs
Let’s talk about itUnderstand your options
Start with the life you want to lead: essential spending, travel, family support, and a buffer for unexpected costs. We compare those needs with savings, pensions, and government benefits.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
CPP, the Canada Pension Plan, can start between ages 60 and 70. OAS, Old Age Security, generally starts at age 65 or later. Delaying either benefit can increase monthly payments, but health, income needs, and other resources determine what fits your life.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Your withdrawal order affects annual tax and the flexibility of your remaining accounts. We coordinate registered accounts, non-registered accounts, and TFSAs around your circumstances.
There is no universal withdrawal order. We compare tax, benefits, cash needs, and future flexibility before choosing how your accounts will work together.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Beneficiaries, a spouse’s income, final taxes, and your wishes all belong in the same plan. We help you identify decisions to coordinate with your legal and tax professionals.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We learn about your financial habits, your goals, and what matters most to you.
Start with a complimentary conversation
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
We implement your plan and stay connected as your work, family, and priorities change.
Keep your plan moving with your life
Real people. Real experiences.
“HIGHLY RECOMMENDED! I've been working with Athena Financial for a few years now and the shape of my finances has never been better. Ken and his team are knowledgeable, responsive, and easy to partner with. As a beginner investor back when I started, I felt I had a lot to learn but Ken was great about breaking down concepts to make things easy to understand.”
“Ken and his team is AMAZING !! I been working with them since 2019 and it's still going . Very easy team of people to work with and very responsive to my questions . I highly recommend them !!”
“Ken always goes above and beyond to help you get your money invested the right way. Amazing experience as 5 year client.”
Before we meet
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.
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.
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.
Your next chapter starts here
Bring the question on your mind. Your first conversation is complimentary, with no obligation.
Complimentary 20-minute call · No obligation
“Ken and his team are knowledgeable, responsive, and easy to partner with.”