Retirement used to be a single event: one day you were working, the next, you weren’t. But today’s high-net-worth retirement planning demands more than that. Your financial life is dynamic—complex, evolving, and deeply personal. At Wherry & Associates, we bring clarity to the chaos, offering retirement planning solutions—for clients in Toronto and across Ontario—that are flexible, integrated, and built to support both your lifestyle and your legacy.

Whether you're facing a business exit, navigating pension separation after divorce, or simply wondering if you’ve saved enough—this is where we come in.

Your Life, Your Plan, Your Pace

There’s no template for high-net-worth retirement strategies. We start with the real you—your income, your assets, your lifestyle—and we build from there.

You may need to plan for an early retirement, transfer a pension, manage real estate assets, or coordinate wealth across multiple jurisdictions. Wherever your life is leading, your plan moves with you.

Financial Safety First—Your Peace Of Mind Matters

We build financial strategies that prioritize stability, clarity, and long-term confidence. Every plan is grounded in your goals, designed to protect what you’ve earned and support the life you want to live. With a focus on steady growth and purposeful structure, we help you move forward with calm assurance—through every market cycle and every stage of life.

Our clients know they’re getting advice grounded in care, caution, and honesty. We tell you what you need to hear—even when it’s uncomfortable—because that’s what protects your lifestyle long-term.

The Art Of Decumulation

Saving money is one thing. Turning it into steady income? That’s where the real strategy begins. Retirement flips the script—from accumulation to decumulation—and without a plan, it can feel like stepping into the unknown.

We help clients navigate that transition. Which accounts to draw from first. How to balance withdrawals with taxes. Where to pull back and when to enjoy more. Our decumulation strategies are designed to ensure your wealth flows efficiently—supporting your goals without fear of running out.

It’s your money. Let’s make sure it works as hard for you in retirement as you did earning it.

Pensions, Transfers, And Separation Events—Simplified

Whether it’s navigating a pension transfer during a career change, coordinating divorce pension sharing, or making decisions around a workplace pension plan, the stakes are high.

Professionals in Toronto and across the GTA often face intricate scenarios: multi-employer pensions, corporate share structures, pension sharing following a divorce, or complex pension separation considerations. At Wherry & Associates, we provide a clear roadmap.

We help you evaluate options, understand tax implications, and coordinate pension planning with the rest of your financial picture.

Your Wealth, Restructured For Income

A high-performing portfolio in your working years doesn’t automatically translate to a smart retirement strategy. We ensure your investments evolve alongside your lifestyle.

That may mean:

  • Allocating income from corporate reserves.
  • Shifting into more tax-efficient investment vehicles.
  • Coordinating RRIF withdrawals with CPP/OAS timing.
  • Using family trusts or corporations to manage distributions.

Your retirement should rely on a well-structured investment and withdrawal strategy, where every piece works together with purpose.

More Than A Financial Plan—A Living Strategy

Life shifts. Retirement does too. We revisit your plan regularly, adjusting as markets change, health evolves, or family priorities shift. One year you’re helping your child with a down payment. The next, you're considering downsizing or exploring philanthropy.

Our approach keeps your strategy agile and your peace of mind intact.

Your Goals, Protected

Your retirement plan should reflect your life. Whether you’re retiring at 55, staying engaged as a part-time consultant, or easing into a new rhythm, we make sure your retirement is structured, smart, and stress-free—from pension planning to wealth transfer and everything in between.

Plan Smarter, Live Better

You’ve built your wealth with care—don’t leave your retirement to chance. With high-net-worth retirement planning that puts your security and goals first, we’ll help you turn financial freedom into real-life freedom.

Let’s make your next chapter the one you’ve been working toward. Book a meeting today.