For business owners, entrepreneurs, and high-net-worth families with complex financial needs, retirement is rarely simple. You’re managing corporate structures, shareholder agreements, pension planning, family expectations, and evolving goals. That’s where C. Taylor & Associates steps in. We help clients in Terrace, Smithers, Kitimat, Prince Rupert and across British Columbia create reliable, long-term retirement income they can count on.

We specialize in retirement planning that turns complexity into clarity. Whether you’re preparing to sell your business, dividing assets in a divorce, or mapping out a multi-generational wealth transfer, we bring all the moving parts together into one cohesive plan. Think of us as the connector between your lawyer, accountant, investment advisor, and family.

Retirement Plans Built for Business Owners

When you own a business, retirement planning takes on another layer. It’s not just about saving, it’s about structuring your exit, protecting your wealth, and optimizing every dollar for tax efficiency. We help you evaluate the best small business retirement plans.

We also guide you through:

  • Business transitions
  • Succession planning
  • Integrating corporate and personal retirement strategies

These aren’t decisions you want to make with experts. We work side by side with your existing advisors or bring in trusted professionals to fill any gaps.

Decumulation Done Right

Most people spend decades building wealth, but the shift from accumulation to decumulation is one of the hardest. How do you start drawing from your accounts without triggering unnecessary tax? Which funds should you use first? We create a decumulation strategy that aligns with your lifestyle, helps avoid clawbacks, and keeps your wealth working long after you stop.

Our clients come away with a sustainable plan that balances spending and preservation, allowing them to live well today while protecting tomorrow.

Pension Planning with Flexibility

Whether you’re managing your own pension as a business owner or navigating government or employer-sponsored plans, we provide comprehensive pension planning tailored to your unique situation.

As your financial planner, we also help clients manage pension-related life transitions:

  • Pension sharing to reduce tax in retirement
  • Divorce pension planning and pension split agreements
  • Navigating pension separation settlements
  • Maximizing income and entitlements for widow pension scenarios

These moments often come with emotional and legal complexity. We help simplify the financial side with clarity, sensitivity, and precision.

The Living Plan: Built to Evolve

A retirement plan is only useful if it evolves with your life. That’s why we design “living plans”—dynamic strategies that adjust as your needs, goals, and lifestyle shift. From cross-border moves to health challenges, grandchildren to new ventures, your plan will grow with you.

We keep your plan aligned with reality by:

  • Revisiting your goals regularly
  • Adjusting income and drawdown strategies as needed
  • Rebalancing portfolios based on risk, inflation, and lifestyle changes
  • Updating your tax strategies with new regulations in mind

Protect Your Wealth. Shape Your Legacy.

Retirement planning is also legacy planning. We help you protect and pass on your wealth in a way that aligns with your values. Whether it’s setting up a trust, writing your will, or preparing for a pension split in case of divorce, our estate strategies offer clarity and confidence.

Our retirement planning includes:

Why Clients Choose C. Taylor & Associates Private Wealth Management

  • We focus on fewer clients so we can go deeper and stay responsive.
  • We coordinate across your team—accountants, lawyers, and advisors.
  • We simplify without oversimplifying, making financial concepts feel approachable and actionable.
  • We follow through—not just with a plan, but with ongoing support, adjustments, and care.
  • And we’re here for the long haul—as your retirement unfolds and new chapters begin.

Let’s build the retirement you’ve worked so hard for, one that feels confident, clear, and deeply personal.