It takes courage to look wrong early and be right in the long run™

ADRIAN C. SPITTERS

Retirement income and life changes

Prepare the Income Plan Before the Paycheque Changes.

Turn savings, pensions, and investments into income that can change with your life.

Retirement is not one date. It is a series of decisions about income, taxes, spending, investments, family support, health, housing, and the estate you may leave behind.

We help you bring those decisions together. The goal is to create income you can use, keep enough money within reach, and make room for changes you cannot predict today.

Nearly four decades of advisory experience. One advisor who understands the whole picture. Independent specialists when needed.

Who We Help

People preparing to retire or already drawing retirement income.
Business owners and professionals moving from work income to investment income.
Couples with pensions, registered accounts, company savings, property, and other investments.
Families facing a move, illness, loss of a spouse, inheritance, or another major life change.

What We Help You Work Through

List every expected source of retirement income.
Estimate regular spending, large costs, taxes, and family support.
Decide which accounts or assets should provide income first.
Keep enough available money so long-term investments do not have to be sold under pressure.
Plan how income and decisions would continue after illness or the loss of a spouse.

Retirement Changes the Kind of Risk You Face

While you are working, time can help you recover from a market loss. In retirement, you may need to sell investments to pay bills. A loss at the wrong time can do more damage because money is leaving the plan.

We connect the investment plan with the income plan so your near-term spending does not depend on short-term market results.

Build the Income Base First

We begin with income that is expected to be steady, such as pensions and government benefits. We then decide how savings, registered accounts, company money, and investments can fill the gap.

This shows which money must be stable, which money should remain easy to reach, and which money can stay invested for growth.

Keep Room for Change

Retirement spending rarely stays the same. Travel may be higher early on. Health and care costs may rise later. Children or parents may need help. Housing needs may change.

We build checkpoints into the plan so it can be adjusted instead of left on automatic.

Retirement Is Also a Family Plan

We review what happens if one spouse dies, becomes ill, or can no longer make decisions. We also connect income choices with beneficiaries, estate needs, and the people who may need to step in.

Income security, gifts to children, philanthropy, property decisions and estate intentions compete for the same capital. The strongest plan protects the retiree first, then coordinates what may be transferred during life or at death without weakening independence.

What a Stronger Position Looks Like

You know where your income will come from, which money is available for short-term needs, and how the plan can change when your life changes.

What Happens Next

Start with a confidential conversation. Tell us what you own, what is changing, and where you need greater clarity.
Organize the whole picture. We identify the key facts, gaps, risks, and decisions that need attention.
Set the next steps. We help put the work in the right order and bring in independent specialists when needed.

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Continue the Research

Explore the complete Reset Report library: Research | Frameworks | White Papers

Why Work With Us

We connect retirement income with investments, taxes, insurance, estate needs, and family decisions. When another professional is needed, we make sure that work supports the same retirement plan.

Adrian C. Spitters, CFP®, FCSI®, CEA, is President and Private Wealth Advisor of PFC Wealth Solutions™ through Performance Financial Consultants Ltd. Since entering financial services in 1987, he has advised business owners, professionals, farmers, retirees and multigenerational families through repeated market, credit and economic cycles. He leads the family's planning and investment architecture, coordinates the appropriate independent professionals and helps ensure that every recommendation serves a defined role within the whole balance sheet. He is co-author of It Starts With Gold™ and co-founder of The Merrick Spitters Reset Report™.

Frequently Asked Questions

Question 1: When should we start retirement income planning?

Before the paycheque stops. The plan is easier to adjust while you still have work income.

Question 2: What if markets fall after I retire?

That is why near-term spending should not depend on short-term market results. We keep some money available so long-term investments do not have to be sold under pressure.

Question 3: Is this only about pensions?

No. We look at pensions, government benefits, registered accounts, company savings, investments, property, and family needs together.

Question 4: What happens after the first conversation?

We organize the facts, name the gaps, and set the next steps in order. You choose whether to continue.

Take the Next Step

If your paycheque is ending or your retirement plan no longer matches your life, we can help rebuild the income picture.

Book an Asset Security Conversation™

If you would rather keep learning first, subscribe for independent analysis on structural risk, ownership, liquidity, markets, succession and continuity. Every subscription includes the weekly Reset Report and a complimentary digital copy of It Starts With Gold™.

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PFC Wealth Solutions™

Financial Planning and Insurance Advice

Adrian C. Spitters is a licensed insurance agent and President of Performance Financial Consultants Ltd., the licensed insurance agency through which his insurance business is conducted. PFC Wealth Solutions™ is a trade name of Performance Financial Consultants Ltd.

Information on this website is general and does not constitute financial, investment, insurance, legal or tax advice, or an offer or solicitation.

Insurance Advice

Insurance Processing

Insurance business is submitted and processed through MAX Financial Ltd. and applicable insurers.

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Investment & Portfolio Relationships

Securities Advice
Adrian C. Spitters provides securities advice in his separate capacity as a Dealing Representative of Axcess Capital Advisors Inc. Any discretionary portfolio-management services are provided by independent portfolio managers under separate agreements.

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