Your retirement is an evolving chapter of life. The best retirement plan? One that evolves, too.
At Kilgour Group Private Wealth Management, we design retirement plans for small business owners, high-net-worth families, and professionals who need more than a basic savings strategy.
Whether you’re navigating the sale of a business, optimizing a pension, or rethinking your life after a major change, we walk beside you. Our goal? To help you live your retirement with clarity and confidence.
Decumulation: The Transition You Can’t Ignore
Saving for retirement is one challenge. Spending wisely through retirement—decumulation—is another entirely. And for high-net-worth individuals or business owners, it’s even more complex.
Which accounts do you draw from first? How do you avoid eroding your capital while meeting your goals? What’s the right timing for CPP, RRIFs, or private pensions? We specialize in decumulation strategies that prioritize sustainability, minimize tax, and allow you to enjoy your wealth without uncertainty. Whether you’re retiring at 55 or 75, our plans are built to ensure your lifestyle is supported every step of the way.
The Best Retirement Plans for Small Business Owners
Your business has been your retirement plan—but now, it’s time to diversify and design a structure that protects your future. We help entrepreneurs across Ontario, including Sudbury, unlock the best retirement plans for small business owners.
We guide you through:
- Individual Pension Plans (IPPs) and Retirement Compensation Arrangements (RCAs)
- Tax-efficient business exits and reinvestment strategies
- Income smoothing to reduce tax burdens during the decumulation phase
- Pension planning and trust structures for family-owned enterprises
Your business has done the heavy lifting—now it’s time to make that work pay off with purpose and precision.
Retirement Planning for High-Net-Worth Individuals
If your financial life includes holding companies, multiple income sources, or cross-border assets, the typical plan won’t cut it. Our retirement planning for high-net-worth individuals accounts for every layer—investment structure, estate strategy, tax impact, and legacy wishes.
With our family office-style approach, we coordinate your accountant, lawyer, and any other advisors to ensure everything works in sync.
We build high-net-worth retirement strategies that include:
- Strategic use of corporate class investments
- Integrated estate and charitable giving strategies
- Tax-efficient legacy and widow pension planning
- Optimization for separated pension situations or blended families
Plans That Flex With Life
You’ve built wealth over decades. Now it’s time for that wealth to support your life through every twist and turn. At Kilgour Group, we treat every plan like a living document—one that adjusts as your goals shift, health evolves, or new opportunities arise.
Whether it’s helping you downsize a property, explore international living, or navigate late-career reinvention, our financial planning is rooted in flexibility and responsiveness.
A Team That Grows with You
Our retirement planning specialists bring more than 15 years of experience and a commitment to your long-term goals—but we’re not headed for retirement anytime soon. At Kilgour Group, we’re young enough to see your plan through the decades ahead, but seasoned enough to guide you with real-world insight and hard-won expertise. That means you won’t have to start over with a new advisor midway through retirement. You can count on consistent advice, strong relationships, and a plan that evolves as your life does.
Start the Conversation
You’ve built a life worth protecting. Now let’s build a retirement strategy that reflects it. Whether you need a retirement planning specialist, help evaluating the best small business retirement plans, or someone to guide your decumulation strategy, Kilgour Group is ready.
We serve clients in Sudbury and across Ontario, providing integrated, thoughtful planning for families and business owners who want more than a generic plan. They want a partner.