David Vrabcenak, CFP, PFP

How do you strike the right balance between living for today and saving for tomorrow? I specialize in assessing your complete financial picture and providing personalized cash flow strategies to help you prioritize your financial goals. Together, we can address crucial questions such as:

• How can we effectively balance paying off debt and saving for the future?
• Should your focus be on saving for retirement or your children's education?
• Are there strategies available to minimize your income tax burden? 

Let's collaborate to find the optimal solutions for your unique financial journey.

I am here to assist you in developing a plan based on sound principles and tailored to your unique priorities. Together, we will explore strategies to:

• Attain your goals through use of investments options such as mutual funds and GICs
• Optimize contributions to your RRSP and TFSA
• Maintain alignment with your investment plan
• Effectively manage bonuses, tax refunds, or other significant sums of money.

Let's work collaboratively to help secure your financial success.

I am here to assist you in making sure you have a solid, yet flexible plan in place to handle the changes you may encounter along the way. We can explore topics such as:

• How much do I need to retire?
• Whether you can—or should—retire early
• Understanding your pension choices
• What is your desired lifestyle during retirement? 

Let's collaboratively explore these topics and tailor a plan that aligns with your unique plans and financial objectives.

By assessing your overall financial situation, including income, expenses, and current investments, I can provide strategic recommendations to help minimize the taxes for you and your family. Some of the tax-saving strategies I can assist with include:

• Optimizing tax advantages through registered plans like TFSA or RRSP
• Implementing income splitting strategies with your spouse
• Employing tax-efficient methods for passing assets to your beneficiaries. 

Let's work together to ensure a tax-efficient financial plan tailored to your unique circumstances.

If you're approaching retirement, I specialize in crafting a personalized plan tailored to your envisioned retirement lifestyle, using financial planning disciplines that help ensure your financial resources are sustainable. Here are key considerations I can assist you with:

• Evaluating whether your current savings are sufficient for your retirement goals
• Guiding you through financial considerations at ages 65 and 71
• Exploring the advantages and drawbacks of downsizing your home
• Strategizing the optimal timing for Canada Pension Plan (CPP)/Quebec Pension Plan (QPP) withdrawals. 

Let's collaborate to navigate these decisions and to establish a fulfilling retirement for you.

Business Owner Planning is a complimentary and comprehensive advisory service designed to empower business owners in making informed decisions regarding business structure, growth, preparing for unforeseen circumstance, and eventual transition planning. By collaborating with RBC colleagues and external tax and legal professionals, we can assist you in evaluating:

• Your current business structure and the viability of incorporating your business
• The current valuation of your business
• The strategic alignment of your business within your retirement plan 

Let's work together to navigate these considerations to help understand the options available to you and your business.