Retirement is the beginning of an exciting new chapter filled with opportunity. Whether you are five years away or already transitioning out of your career or business, thoughtful retirement planning provides the clarity and peace of mind you need to move forward with confidence.

As your dedicated financial advocate, we focus on your best interests, help reduce your tax burden, and create retirement strategies that support both your lifestyle today and the legacy you want to leave behind. From widow pension planning to comprehensive decumulation strategies, we are here to make your retirement not only achievable but truly empowering.

Retirement As A Living Plan

Your life is always changing. Unexpected health challenges, shifting dreams, and evolving financial needs all play a role in shaping your retirement. That’s why we create living plans that grow and adapt with you as your life evolves.

Planning to spoil your grandkids? Thinking about relocating? Facing unexpected expenses? No matter what life brings, we adjust your plan to keep you on track. Your investments, tax strategies, and spending adapt dynamically so your wealth continues to support your changing goals. We help your wealth grow to support the life you envision and give your dreams the space to thrive.

Our clients also love our scenario-based approach that gives you clear, visual insights into how the decisions you make today will impact your future. You’ll see clear, real outcomes that empower you to live your retirement with confidence.

Seamless Decumulation And Income Alignment

Saving is one mindset. Spending wisely in retirement is another. Transitioning from accumulation to decumulation can be jarring, even for high-net-worth families. We guide you through this shift with strategies that balance cash flow, investment longevity, and risk.

Which account should you draw from first: RRSP, TFSA, non-registered? When does your CPP or widow pension kick in? Should you delay withdrawals or start now? Our team helps answer these questions and more, mapping out income streams that are sustainable, tax-efficient, and tailored to your needs.

Because a great retirement means using your money wisely, comfortably, and with purpose.

Full Financial Integration: Retirement In Sync

At Boudreau & Associates, we see your retirement as fully connected to everything else: your tax strategy, your estate plan, corporate holdings, and even your real estate.

We align:

  • RRSPs, RRIFs, and pension plans
  • Investment portfolios
  • Rental income and property sales
  • Corporate and personal tax strategies
  • Widow pensions and survivor benefits

When every piece of your financial plan fits seamlessly together, your money doesn’t drift, it works. That’s the kind of retirement planning Kamloops clients deserve: organized, efficient, and fully integrated.

Planning For The Unexpected

Retirement is full of change, and your plan should be ready to adapt. At Boudreau & Associates, we build flexible strategies that keep your retirement on course through every twist and turn.

With a complete view of your financial life—from corporate assets to estate documents—you can move forward with confidence, knowing you’re fully supported. We regularly review your plan to ensure it stays aligned with your goals, helping you adjust quickly and confidently whenever needed.

We’re here to guide you through every season, whether it’s smooth sailing or shifting winds. 

Guiding You Through Your Next Chapter

At Boudreau & Associates, we help you manage your life’s next great transition. Whether you’re retiring from a long corporate career, selling a business, or stepping into widowhood with new financial responsibilities, our Kamloops retirement planning team is here to guide you.

Let’s build a retirement plan that’s flexible, forward-looking, and entirely yours.

Book a consultation today to get started with retirement planning that adapts, supports, and protects your future.