Retirement isn’t just another chapter—it’s a whole new story. And like any major transition, it rarely unfolds in a straight line. Whether you’re facing a business sale, a career change, or approaching retirement itself, the questions can pile up fast. What happens to your pension? How do you shift from saving to spending? And how can you be sure your money will last?
At Judd Bisson & Associates Private Wealth Management, we bring clarity to life’s turning points. Our Calgary retirement planning process gives you more than a plan—it gives you confidence. Because for high-net-worth retirement planning, you need more than spreadsheets. You need a blueprint that adapts, protects, and empowers.
The IG Living Plan that evolves with you
Retirement planning isn’t static—and neither are you. Health changes. Priorities shift. Dreams evolve. That’s why we don’t build one-and-done plans. We build a “living plan”—a flexible, ongoing strategy that grows and shifts as your life unfolds.
Thinking about downsizing or moving across the country? Want to spoil your grandkids or help a child buy their first home? We recalibrate your plan in real time. From tax strategies to investment allocations, every part is adjusted to fit your evolving needs.
Complete financial integration, built for real life
Our plans aren’t just about retirement—they’re about you. That means integrating every part of your financial picture: pensions, RRSPs, taxable accounts, holding companies, insurance, and more. We ensure every dollar moves with intention and every decision supports your long-term goals.
Whether you're navigating a pension transfer, a pension separation, or preparing for a divorce pension split, we guide you with precision. We also support clients through more sensitive life transitions, including widow pension planning and pension sharing strategies post-separation.
The shift to decumulation: From saving to spending
You’ve spent your life building wealth. Now it’s time to use it. But spending what you’ve saved can feel surprisingly uneasy. That’s where our decumulation expertise comes in.
We map out when and how to draw from each account, how to layer your income streams, and how to do it all with minimal tax drag. The result? A retirement income plan that’s steady, strategic, and sustainable—so you can enjoy life without constantly second-guessing your spending.
Minimizing tax at every turn
In retirement, every decision has tax consequences. Our approach makes sure those consequences work in your favour. Through careful income sequencing, pension planning, and withdrawal strategies, we reduce unnecessary tax bills and keep more of your wealth working for you.
Whether it’s income splitting with a spouse, managing RRIF withdrawals, or optimizing capital gains, we help you avoid the common traps that drain retirement savings.
Your investments don’t retire just because you do
Even in retirement, your portfolio should be working. But it needs to evolve with your goals. We adjust your investments based on your time horizon, lifestyle needs, and comfort with risk.
From preserving capital to generating reliable income, your strategy will reflect your priorities. Inflation, market shifts, unexpected expenses—we prepare for them all. Because retirement planning for high-net-worth individuals isn’t about playing it safe—it’s about staying smart.
Legacy planning that reflects your values
Retirement planning also means thinking about what comes after. We help you build a plan that speaks to your values and protects your loved ones. That includes everything from wills and trusts to charitable giving and intergenerational wealth transfers.
Want to ensure a smooth handoff of wealth to your children? Thinking about creating a family trust or donating to a cause close to your heart? We guide you through every option, ensuring your legacy is built with care and clarity.
Partnership that doesn’t end at retirement
At Judd Bisson & Associates, our commitment doesn’t stop when you stop working. We’re here for the long haul—adjusting, refining, and supporting you through every change life throws your way. Our retirement plans aren’t static. They breathe with you. They respond to new needs. And they always keep you at the centre.