In 1995, I started this firm to help Canadians reach their retirement and life goals through our Areas of Focus approach to planning. In life, one of the most difficult things we ever do is retire. Our team works with our clients first in the accumulation phase, and then we help them to ease into retirement, with tax effective cash flow. We also ensure that there is a smooth and tax effective transfer of wealth to the next generation. My joy is seeing clients reach their retirement income goals, and to watch them tick off items on their bucket list.I have always lived in British Columbia and in 2013 my wife Dallas and I walked the Camino de Santiago to celebrate our 60th birthdays. In 2015, we celebrated 40 years of marriage, we have 2 sons, and 5 grandchildren who are the joys of our life.Come in and meet with me for a free consultation on your retirement cash flow. We can help to minimize taxes and develop a strategy that best fits you.