Transitioning from saving to spending can be daunting. This guide outlines a clear six-step process for Canadians to convert lifetime savings into a dependable income stream that adapts to changing health and family needs.

Drawing on specialized retirement planning expertise, readers will learn how to align government programs, pension benefits and private savings for maximum efficiency. It also offers strategies to minimize taxes and protect survivor and estate interests.

• Combine CPP, OAS and private savings optimally
• Sequence asset withdrawals for longevity
• Preserve government entitlements
• Implement tax-efficient income strategies
• Create estate-friendly plans

With practical worksheets and checklists, this blueprint equips retirees to build a sustainable income that lasts as long as they do.

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