Beyond the benefits: Designing a retirement that’s yours

After years of hard work, long hours, and high-stakes decisions, you’ve built a successful career. You’ve climbed the ladder, led teams, and helped grow the business. Now, you’re beginning to look ahead – beyond the next quarter, toward what’s next.

For many executives, that future includes an assumption: “My retirement benefits are in place. I’m covered.”

And in many ways, you probably are. Your employer has structured a package that includes deferred share units, stock options, a supplemental pension, and perhaps a bonus plan. But here’s something most executives never hear:

These programs, while valuable, aren’t a retirement plan.

They’re one piece of the puzzle.

Your compensation package is powerful – but it’s not the plan

Executive compensation plans are designed to reward performance, attract talent, and retain leadership. But they often come with layers of complexity:

• Vesting schedules and expiry dates
• Unfunded promises tied to future profits
• Company stock concentration risk
• Tax obligations that hit when you least expect
   

And because many of these benefits are tied to your employer, they’re not always under your control. That doesn’t mean they’re unreliable. It just means they aren’t enough on their own.

If you want to create a retirement that reflects the success you've earned, you need more than a list of benefits.
You need a plan that’s built around you.

Turn complexity into confidence

We work with successful executives every day: people just like you who are ready to shift from building their business to building their life after business.

Here’s how we help:

1. Clarify what you have

We help you map out your full financial landscape. What do you own? What’s deferred? When will it be paid out? And how much control do you really have? We turn compensation complexity into clarity.

2. Plan around, not just within, your benefits

The goal isn’t to ignore your compensation. It’s to build a structure that incorporates it, but doesn’t rely on it alone. Your plan might include:

• Tax-efficient withdrawal strategies
• Diversification away from employer stock
• Planning for early or flexible retirement
• Converting deferred income into long-term security
   

3. Model the life you actually want

We don’t just crunch numbers. We talk about what matters. How do you want to spend your time? What legacy do you want to leave? What will bring you joy and meaning? Then we build a plan that gets you there.

You’re the architect of your own future

You didn’t build your career by waiting to see what happens. You were proactive, strategic, and intentional.

That same mindset applies to retirement. The truth is, you don’t need to rely on company promises to create a secure, meaningful future. You already have the tools. We’re here to help you use them.

It’s not about what might go wrong. It’s about making sure what goes right truly reflects your goals.

Because your next chapter deserves the same thoughtful design as your career.

Let’s talk

If you're an executive ready to turn your success into long-term freedom – on your terms – we'd love to help. We specialize in turning complexity into confidence for people just like you.

Let’s start with a conversation about what matters most.

Your future is yours to shape. We’ll help you plan it.