You’ve worked, saved, and built something meaningful. Now, the question isn’t if you can retire—it’s how you’ll make the most of it.

At Dumitru Flanagan & Associates, we make sure your wealth works as hard as you did. Whether you’re five years from retirement or already settling into this new chapter, our strategies ensure your financial stability lasts—without sacrificing the life you want to live.

The strategy behind a confident retirement

  • Sustainable income that moves with you

    Your income isn’t a fixed number—it’s a dynamic flow. We structure retirement income streams that adjust with your needs, balancing security and flexibility.

  • Tax-smart withdrawals

    More money in your pocket, less lost to taxes. We create structured withdrawal strategies from RRSPs, pensions, and investment accounts to minimize tax drag.

  • Investment strategies for retirees

    Risk matters, but so does growth. We refine your portfolio to balance stability with returns, ensuring your wealth supports you for decades.

  • Estate & legacy planning that reflects your values

    What you leave behind matters. Whether supporting family, charities, or a long-term financial vision, we craft estate strategies that ensure your wishes are carried out seamlessly.

  • Health & longevity considerations

    Living longer is a gift—unless your finances aren’t built to last. We factor in healthcare costs, long-term care planning, and financial safeguards to keep your future secure.