Retirement isn’t a straight path. Life doesn’t always go according to plan—divorces, career changes, the loss of a spouse—these are moments that shift everything. I’m Conor Amyot, and I help people navigate retirement planning with clarity, compassion, and confidence. Whether you’re approaching retirement or already living it, I’ll help you create a plan that moves with your life, not against it.
Retirement planning is more than just saving—it’s how you live
In this next chapter, your goals shift. It’s not just about growth anymore—it’s about income, security, and freedom. It’s about knowing where your money is coming from, how long it will last, and how to protect it from taxes and inflation.
I build retirement plans that are integrated into your full financial picture. That means aligning your pensions, RRSPs, investment accounts, and government benefits. Every piece matters. And every piece should work in sync.
From pension planning to pension sharing—I’ve got you covered
Retirement planning often involves navigating complex decisions about pensions. Should you transfer your pension to a locked-in account? Should you split your pension income with your spouse? What happens to a pension after divorce or death?
I help clients through:
- Pension transfer decisions when leaving a job or retiring.
- Pension sharing and pension split strategies to reduce tax.
- Divorce pension planning to ensure fairness and financial stability.
- Widow pension coordination when managing survivor benefits.
These aren’t small details—they have major tax and income implications. I’ll walk you through each option and make sure the choice fits your long-term goals.
The shift to decumulation: spend with confidence
You’ve spent decades building your savings. But spending them? That can be harder than it sounds. Many retirees struggle with the fear of running out of money, even if they’re well-prepared. That’s where decumulation comes in.
I help you transition from saver to spender with a plan that’s built to last. We’ll look at:
- Which accounts to draw from first (and why).
- How to minimize taxes on withdrawals.
- How to sequence income from pensions, RRIFs, CPP, and more.
The goal? A sustainable income that supports your lifestyle today and protects your security tomorrow.
The IG Living Plan that evolves with you
Your retirement plan shouldn’t be static. As your life changes—so should your strategy. That’s why I build a “living plan”—a flexible, responsive roadmap that adapts to life’s twists and turns.
Thinking of downsizing? Want to help your kids with a home purchase? Dreaming of more travel or navigating new health expenses? Whatever comes next, your plan should support it. I’ll help you adjust your investments, spending, and tax strategy along the way.
Tax efficiency isn’t a bonus—it’s the foundation
Every dollar you save on tax is a dollar that can support your lifestyle or legacy. That’s why tax planning is woven into every part of the retirement planning process.
I use tools like:
- Income splitting between spouses.
- Strategic RRIF withdrawals.
- Tax-efficient asset location.
- Timing of CPP/OAS benefits.
No matter how complex your situation, we’ll find the opportunities that keep more of your wealth in your hands.
Legacy planning: what will your wealth say about you?
Retirement isn’t just about living well—it’s about leaving something meaningful behind. I help clients create thoughtful estate plans that reflect their values, protect their heirs, and minimize tax burdens.
We’ll talk through what matters most: flexibility, control, simplicity, or impact. Then we’ll build a plan to match—whether that involves trusts, gifts, donations, or multi-generational strategies.