Laid off, offered a buyout, or considering early retirement? Before you make any irreversible decisions, understand exactly what your pension, severance, CPP, and OAS can do for you.
Pension elections and severance decisions often have hard deadlines. Many are irreversible once submitted. If you've received layoff notice, the most expensive mistake you can make is deciding without a plan.
A federal public servant facing an involuntary transition — who wants answers, not a sales pitch.
This 30-minute call won't deliver your full plan — but it will give you enough clarity to stop second-guessing and start deciding.
Reduced vs. unreduced. Bridge Benefit. Survivor options. What stopping now means in dollars.
Retiring allowance rules, RRSP room, and the tax hit you may not see coming if you take a lump sum.
Whether it makes sense to take CPP early, at 65, or defer — given your pension income and tax situation.
A clear, honest answer based on your numbers — not a generic calculator or a sales process.
30 minutes. No obligation. No sales pitch.
If we determine a full retirement plan is right for you, here's exactly what you get — no ambiguity.
A deliberate, structured process — so nothing gets missed and you feel confident at every stage.
We confirm your goals, review your situation at a high level, and determine whether a full retirement and decumulation plan is the right fit. You'll leave with clarity either way.
No obligationIf we're a fit, you'll receive a digital Letter of Engagement and invoice. Once confirmed, I'll send your planning questionnaire and secure document upload instructions.
Complete your questionnaire and upload documents securely at your own pace. Most clients finish this within a week.
Work at your paceI review everything in detail, follow up with specific questions if needed, and build your customized retirement and decumulation strategy.
We walk through your complete plan together. You'll receive your PDF plan, Excel spreadsheet, and a personalized walkthrough video to revisit anytime.
Implementation questions, clarifications, and confidence checks — available for three months after delivery to make sure recommendations land correctly.
Included in every planYou know exactly what you'll pay before you commit — because that's what fee-only means.
Single person or solo federal PS client
CAD + applicable tax
Integrated planning for both spouses
CAD + applicable tax
For incorporated business owners
CAD + applicable tax
A Certified Financial Planner® with 14+ years of experience — and a narrow, deliberate focus on retirement and decumulation for Canadians approaching the end of their working years.
We specialize in the decisions federal public servants face: defined benefit pension optimization, Bridge Benefit, commuted value options, survivor benefit elections, and severance treatment. These decisions are complex, time-sensitive, and irreversible.
Providential Financial Planning is fee-only and advice-only. I am paid exclusively by you. I do not receive commissions, sell investment products, or manage assets. My only incentive is your outcome.
Based in Ottawa and work virtually with clients across Canada. You don't need to be in Ottawa — and you never need to come in person. All services are delivered digitally.
We don't do everything. I do retirement income planning, tax-efficient decumulation, and government benefit optimization for Canadians 50+. That focus means every plan I build reflects deep, current knowledge of what actually matters at this stage.
It means you pay a flat fee for my time and expertise — and that's it. We receive zero commissions, sell no financial products, and manage no investments. My only incentive is to give you accurate, unbiased advice. This is the opposite of how most financial advisors at banks and brokerages are compensated, where the advice they give is shaped by the products they're paid to sell.
Yes. Federal PS pension decisions — reduced vs. unreduced pension, Bridge Benefit, commuted value options, survivor benefit elections, and severance treatment — are a core part of the work I do. These decisions are complex, time-sensitive, and irreversible. Having a CFP® who understands the specific rules of the federal pension plan matters.
It's 30 minutes. We review your situation at a high level — your pension, approximate assets, timeline, and key decisions in front of you. We'll tell you honestly whether a full retirement and decumulation plan is the right next step, and what that would look like. There's no sales pitch and no obligation to proceed.
Yes. All services are delivered virtually. We work with clients across Canada — from BC to Newfoundland. You don't need to be in Ottawa, and you never need to come in person.
No — and that's by design. You can implement your plan using any investment platform, robo-advisor, or advisor you choose. We provide the strategy; you retain full control of where and how your assets are held.
No, We don't file tax returns. But tax planning is central to everything we do — withdrawal sequencing, benefit timing, income splitting, and minimizing CRA's share of your retirement income are built into every plan.
In some cases, We can scope a limited engagement at my hourly rate. Start with the free clarity call — if a full plan isn't the right fit for your situation, we'll figure out the right option together.
30 minutes. No obligation. No sales pitch. Just clarity on whether you can retire now and what it would take to get there. Get clarity before making any irreversible decisions.
Book Your Free Layoff & Pension Clarity Call →Free · 30 minutes · Virtual · Canadians 50+ · Federal PS welcome