Approaching retirement? Or maybe you’re already there—spending days on the golf course, exploring new hobbies, or indulging in the simple joys of spoiling the grandkids. Wherever you are in your journey, retirement should be about living, not stressing over financial fine print.
At Dumitru Flanagan & Associates, we take the complexity off your plate. We translate intricate financial decisions into plain, actionable insights, so you always know what’s happening with your money. No guessing. No second-guessing. Just clear, confident financial strategies that keep your retirement on track.
Whether you’re restructuring investments for tax efficiency, preparing a business for sale, or ensuring your estate transfers smoothly, we bring clarity. So you can focus on enjoying life, knowing your wealth is working exactly as it should.
The living retirement plan: built for life’s twists & turns
A one-time financial plan? That’s not enough. Markets shift, tax laws change, life throws surprises. A plan that worked five years ago might need a refresh today.
That’s why we build Living Plans—retirement planning strategies designed to adapt in real-time. Your wealth should move with you, not hold you back.
- Ongoing adjustments: We don’t just set a plan and walk away. We revisit, refine, and recalibrate to make sure your financial strategy keeps up with your goals.
- Tax-efficient withdrawals: We structure retirement income so you get the most from your assets without overpaying in taxes.
- Investment flexibility: If market conditions change, your portfolio should too—without unnecessary risk.
- Contingency planning: Whether it’s healthcare costs, family support, or an unexpected financial need, your plan is built to handle life’s uncertainties.
Think of it as an ongoing conversation, not a one-time transaction. With a Living Retirement Plan, you always know where you stand—and where you’re headed.
Keeping more of what’s yours: smart, tax-efficient wealth planning
Your wealth isn’t just about numbers on a statement—it’s about how effectively your money works for you. Returns matter, but true financial success comes from minimizing tax burdens, optimizing estate strategies, and eliminating financial waste.
We focus on:
- Tax-optimized investment strategies – Structuring your portfolio for maximum tax efficiency.
- Retirement income planning – Ensuring your withdrawals are strategic, not just routine.
- Estate preservation – So your legacy transfers smoothly to loved ones, without excess taxation.
A lifetime of work shouldn’t be eroded by avoidable tax bills. Retirement planning ensures every dollar is positioned for the best possible outcome—for you, your family, and the causes that matter most to you.
Helping women navigate financial transitions with confidence
Many of our clients are women stepping into financial independence for the first time—whether through divorce, widowhood, or taking the lead on family finances in retirement. Too often, the financial industry talks at these clients rather than with them.
At Dumitru Flanagan & Associates, we take a different retirement planning approach.
- Clear, direct guidance—no jargon, no condescension.
- Comprehensive financial education—so you feel empowered to make decisions.
- A long-term partnership—helping you structure your wealth for security and growth.
Whether it’s dividing assets, structuring post-divorce retirement income, or ensuring financial sustainability for the future, we help you move forward with confidence.
Turning business success into a retirement paycheque
For business owners, wealth isn’t just about what’s in the bank—it’s tied up in your company. But what happens when it’s time to step away?
- Selling your business? We help structure sales for maximum financial efficiency, ensuring you don’t lose a chunk of your hard-earned success to taxes.
- Transitioning to retirement? We turn business assets into a steady, reliable income stream for your future.
- Estate & Succession Planning? We make sure wealth transfers smoothly and strategically, avoiding complications for your family.
Many business owners focus on growth—but don’t plan for the exit. We help close that gap.
Making retirement cash flow predictable & stress-free
Retirement is about using wealth wisely. Your investments need to create a reliable, predictable income stream, so you can enjoy your lifestyle without worrying about outliving your money.
We help:
- Structure withdrawals so your portfolio provides consistent cash flow.
- Optimize pension income, RRIFs, and other retirement funds to avoid tax surprises.
- Protect against inflation & market downturns, so your income stays secure.
Retirement should feel financially effortless. We make sure it does.
Estate planning: the smart way to leave a legacy
You built your wealth with care—now it’s time to ensure it transfers just as carefully. Without the right planning, estate taxes, legal complexities, and administrative costs can eat away at your legacy.
We focus on:
- Tax-efficient wealth transfer – Keeping more in your family’s hands, not the government’s.
- Trusts & gifting strategies – Passing wealth efficiently and strategically.
- Charitable giving & philanthropy – Supporting the causes that matter most to you.
Whether you’re planning to leave wealth to children, grandchildren, or a favourite charity, we ensure your estate plan reflects your wishes—without unnecessary complications.
An independent firm, focused on your success
As a securities-licensed practice, we have access to a broad range of investment solutions without corporate sales quotas. Our advice is:
- Unbiased – No pressure, no commissions, just what’s best for you.
- Personalized – Your goals drive our strategy, not the other way around.
- Strategic – Every decision is made with tax efficiency, investment performance, and your financial future in mind.
We answer to you—not an institution.