Services designed around what you need to know

Your annual statement contains dozens of numbers. Only three to five actually matter for your decisions.

We identify what's relevant, explain what it means for your retirement timeline, and provide specific recommendations for optimizing your contributions and benefits.

• Line-by-line statement breakdown
• Projection accuracy assessment
• Contribution optimization strategy
• Plain-language summary report

Select this service

Your pension doesn't exist in isolation. It's one component of your broader retirement strategy.

This comprehensive review examines your pension alongside your other retirement assets, identifies gaps, and creates a cohesive plan that maximizes your income while minimizing risk.

• Complete pension analysis
• Integration with CPP and OAS projections
• Asset allocation recommendations
• Retirement income timeline
• Tax optimization strategies

Select this service

Pension administrators make mistakes. Not often, but when they do, it costs you thousands.

We independently verify all benefit calculations using your employment history and plan terms, ensuring every dollar you're owed is accurately reflected.

• Independent calculation audit
• Service credit verification
• Contribution matching review
• Error identification and documentation

Select this service

Year-to-year changes in your pension statement often signal important shifts that require action.

This service compares your current statement against previous years, tracking growth trends and identifying changes in plan terms, contribution rates, or benefit formulas that might affect your strategy.

• Multi-year comparison analysis
• Growth trend assessment
• Plan amendment tracking
• Strategic adjustment recommendations

Select this service

Changing jobs brings one of retirement planning's most critical decisions: keep your pension or transfer it out.

We analyze commuted value offers, evaluate transfer options, model long-term outcomes for each scenario, and provide clear guidance based on your specific situation and retirement goals.

• Commuted value offer analysis
• Transfer vs. retain comparison
• Long-term projection modeling
• Risk assessment for each option
• Step-by-step decision framework

Select this service