You’ve spent decades building your wealth. You’ve worked hard, saved consistently, and made smart decisions along the way. But now, everything changes. Retirement isn’t about accumulation anymore—it’s about how to use what you’ve built. And that shift can feel overwhelming.
At Judd Bisson & Associates Private Wealth Management, we help pre-retirees and retirees navigate this transition with clarity and confidence. Our plans are designed to help you protect your lifestyle, reduce taxes, and enjoy the life you’ve earned—while still planning ahead for what comes next. The strategies that helped you build a great retirement are not the same strategies that will help you enjoy it. You’ve moved from saving to spending—and that shift calls for a whole new game plan.
Moving from earning to drawing an income is a major shift. It raises new questions: How long will your money last? Which account should you draw from first? How do you create predictable income without giving up flexibility? We help you find those answers. Our retirement planning starts with a full review of your assets, income sources, and tax situation. Then we build a plan that supports your lifestyle—not just for five or ten years, but for as long as you need.
Many people underestimate their longevity. We don’t. We stress-test every plan to account for long lives, health events, and rising costs—so you never have to wonder whether you can afford the next chapter.
Tax efficiency becomes more important than ever
In retirement, tax planning becomes more urgent. You may have less earned income, but more tax exposure—from RRIF withdrawals, CPP, OAS, dividends, and more. Without a plan, your tax bill can take a big bite out of your retirement income.
That’s why our approach focuses heavily on tax efficiency. We help you sequence withdrawals strategically, use income-splitting where possible, and find ways to keep more of what you’ve earned. These aren’t one-time conversations—they’re part of the ongoing planning process.
Legacy is personal. We help you define yours.
For many retirees and pre-retirees, leaving a legacy matters just as much as enjoying retirement. But legacy isn’t one-size-fits-all. Some clients want to leave a financial gift to their children or grandchildren. Others want to support a cause. Some want both.
Whatever your goals, we help you build a plan that reflects them. That could include insurance strategies, estate planning, charitable giving, or simply organizing your finances so your family isn’t left with a mess. Your legacy should reflect your values—and we help make that happen.
Support that goes far beyond the numbers
Retirement planning is about more than spreadsheets. It’s about peace of mind. It’s about knowing you can upgrade your flight, help your grandkids, or take that long-awaited trip without wondering if you’re spending too much.
At Judd Bisson & Associates, we listen first. We take the time to understand your goals, your fears, and your family dynamics. Then we build a plan that supports your life—not just your lifestyle. Clients often tell us they feel lighter after our first meeting. That’s the difference real planning makes.
