If you’ve built a successful business, career, or investment portfolio, retirement planning isn’t just about saving—it’s about protecting. You’ve spent decades growing your wealth. Now the stakes are higher, the decisions more complex, and the margin for error smaller.
At Mignault Badder & Associates, our approach to high-net-worth retirement planning is centred around a single priority: your peace of mind. We’re not in the business of rolling the dice with your future. That’s because we believe the foundation of smart retirement planning isn’t about chasing aggressive returns—it’s about ensuring you never have to second-guess your financial security.
Your Retirement Shouldn't Be a Guessing Game
Whether you’re on the cusp of retirement or decades away, uncertainty doesn’t have to be part of the equation. Retirement planning, when done properly, is about clarity—not guesswork.
We help you answer the big questions:
- How much income will you need?
- Where will it come from?
- What’s the most tax-efficient way to draw it?
- Will it be enough—not just for now, but for the decades ahead?
From pension sharing to tax-smart withdrawal strategies, we turn uncertainty into structure—giving you the clarity to move forward with confidence.
A Living Plan for an Unpredictable Life
Retirement is never a straight line. Priorities shift. Markets change. Health and family needs evolve. What makes sense at 60 may need to pivot at 70.
That’s why our retirement planning process results in what’s called the IG Living Plan—a strategy that adapts as life unfolds. You might want to relocate, help adult children, travel more—or simply slow down. Whatever the scenario, your plan isn’t locked in a binder. It lives with you, grows with you, and keeps you firmly in control.
The Power of Integration
Your wealth isn’t made up of one account. It’s a network—RRSPs, TFSAs, pensions, corporate assets, investment properties, and more. If your retirement plan doesn’t account for how all these pieces work together, you’re not seeing the full picture.
At Mignault Badder & Associates Private Wealth Management, we build fully integrated plans. Retirement planning connects directly to your investment strategy, tax planning, estate structure, and insurance needs. We look at everything—because everything affects your outcome.
We’re not here to hand over projections and hope they hold. We’re here to build a financial structure that works in real life, not just on spreadsheets.
Pension Sharing and Income Stream Strategy
For many high-net-worth Canadians, retirement income doesn’t come from a single source. We work with clients to structure income in the most tax-efficient way possible, combining registered accounts, corporate withdrawals, pensions, and personal investments.
Decumulation Without Disruption
Most of our clients spent years in accumulation mode—building wealth, growing assets, staying disciplined. But when the time comes to start spending that wealth, it can feel surprisingly uncomfortable.
We get it. Spending after years of saving feels like a shift in identity.
Our decumulation strategies make that transition smoother. We show you how to draw down assets in a way that supports your lifestyle, reduces your tax bill, and ensures long-term sustainability. You get permission to enjoy your wealth—without wondering if you’re making a mistake.
Investments That Keep Working, Even After You Stop
Retirement doesn’t mean pulling your money out of the market. But it does mean changing your approach.
Your portfolio needs to do three things:
- Generate reliable income.
- Protect your capital.
- Hedge against inflation.
We rebalance your investments to reflect your new goals—moving from accumulation to preservation and income generation. Your assets keep working for you, with a level of risk that matches your phase of life.
Tax Strategies That Work Year After Year
A dollar lost to tax is a dollar you can’t spend or pass on.
That’s why tax planning is embedded into everything we do. From the timing of RRIF withdrawals to optimizing capital gains and maximizing credits, we make sure every part of your retirement income plan is structured with tax efficiency in mind.
And when legislation changes (as it often does), we’re there—revisiting your plan and adjusting as needed to ensure you’re always making the smartest moves.
Retirement Planning That Reflects Your Real Life
Selling your business? Downsizing? Planning for blended families or adult children with different financial needs?
These situations add complexity—and opportunity. We’re here to sort through it all, helping you make decisions that align with your values and long-term vision. Retirement isn’t a checklist. It’s a personal journey.
At Mignault Badder & Associates, we listen first, advise second. Because the most effective retirement plan is one that reflects your actual life—not someone else’s idea of it.
Legacy Starts Long Before You're Gone
We build legacy planning into every retirement strategy, because your impact doesn’t stop when you stop working. Whether you’re planning charitable gifts, structuring intergenerational transfers, or protecting your estate from unnecessary taxes, we ensure your wealth supports your family—and your vision—for decades to come.
Retirement Planning With Real Peace of Mind
At Mignault Badder & Associates, we believe retirement planning should be grounded in reality, built for resilience, and structured for safety.
No gambling. No hype. No surprises.
Just a financial plan that gives you clarity, flexibility, and the confidence to live life fully—without worrying about whether your money will keep up.