Business Details
Your Trusted Financial Advisers for Retirement and Business Planning
At Matthews & Associates, we specialize in transforming complex financial landscapes into clear, actionable strategies tailored to your unique goals. With decades of combined experience, our team of certified professionals prioritizes personalized guidance, helping clients navigate retirement planning, business transitions, and wealth management. Our approach integrates holistic financial planning, dynamic risk management, and estate strategies to ensure long-term security. We pride ourselves on building trust through transparent communication, leveraging cutting-edge tools and industry-leading expertise to deliver results-driven solutions.Backed by affiliations with organizations like the Canadian Investor Protection Fund and the Financial Planning Association of Canada, we remain committed to ethical standards and continuous education. Whether you're preparing for retirement or aligning business and personal financial goals, our collaborative process empowers you to make confident decisions for a secure future.
Services
Retirement Income Planning
Tax Planning
Risk Management
Estate Planning
Business Planning
Investment Management
Exit Strategy Development
Succession Planning
Highlights and features
- We offer personalized retirement income strategies tailored to your unique financial situation.
- Our team includes Certified Financial Planners with specialized expertise in business transitions.
- We provide integrated tax-efficient planning to minimize lifetime tax liabilities.
- Our collaborative approach coordinates with your existing legal and accounting professionals.
- We guarantee transparent communication with no hard-sell investment product pressure.
Associations and certifications
- Certified Financial Planner (CFP)
- Canadian Investor Protection Fund (CIPF)
- Canadian Investment Regulatory Organization (CIRO)
What people say
Exceptional communication
Personalized retirement strategies
Comprehensive financial expertise
Genuine client care
Services
Retirement Income Planning
Our retirement income planning creates sustainable cash flow strategies that coordinate all assets to provide reliable lifetime income. We optimize CPP/OAS timing, manage RRIF withdrawals, and implement tax-efficient withdrawal frameworks. The process ensures clients maintain purchasing power throughout retirement while minimizing tax exposure through coordinated portfolio management and income source sequencing.
Business Planning
Integrated business planning aligns company growth with personal financial goals for entrepreneurs. We develop exit strategies, optimize owner compensation, and implement tax-efficient succession plans. Our Value Builder methodology helps business owners maximize company value while creating seamless transitions to retirement or new ventures through strategic planning frameworks.
Estate Planning
Comprehensive estate planning ensures efficient wealth transfer while minimizing tax liabilities. We coordinate wills, powers of attorney, and trusts to protect assets and implement tax mitigation strategies for RRSP/RRIF beneficiaries. Our process includes regular document reviews to ensure alignment with evolving personal circumstances and legislative changes.
Tax Planning
Proactive tax planning focuses on lifetime tax reduction through strategic withdrawal sequencing and income splitting techniques. We analyze OAS clawback thresholds, implement RRIF conversion strategies, and coordinate with accounting professionals to optimize tax efficiency across personal and business financial landscapes while maintaining compliance with regulatory requirements.
Risk Management
Risk management strategies protect against financial vulnerabilities through insurance analysis and portfolio safeguards. We assess long-term care needs, critical illness coverage, and income protection frameworks while implementing market risk mitigation strategies. Our approach balances protection needs with cost efficiency to preserve wealth during unexpected life events.
People
Joe Curry
President, Financial Planner
Certified Financial Planner with 15+ years of experience specializing in retirement transitions. Former business owner successor at Matthews & Associates since 2015. Holds CFP, CEPA designations. Focuses on integrated financial roadmaps for business owners and retirees.
Kate Wilson
Associate
Honours BA graduate with 12 years in financial services, including commercial account management. Specializes in client relationship building and retirement planning coordination. Holds FINRA Series 7 and 66 licenses. Focuses on personalized financial solutions for rural entrepreneurs.
Ben McArthur
Client Service Representative
Business Administration graduate with finance specialization. Former collegiate hockey player applying team strategy principles to financial planning. Focuses on client communication and document management. Certified in CRM systems and financial compliance protocols.
Questions
What retirement planning services do you offer?
We provide complete retirement income planning including CPP/OAS optimization, RRIF management, tax-efficient withdrawal strategies, and lifetime income guarantees through coordinated portfolio management.
How do you work with business owners?
Our business planning services include exit strategy development, succession planning, owner compensation optimization, and integrated personal/business financial roadmaps tailored to entrepreneurs.
What investment management options are available?
Investment services through Aligned Capital Partners offer diversified portfolio solutions with access to mutual funds, ETFs, and customized investment strategies aligned with your risk tolerance.
How are your fees structured?
We use transparent fee structures including asset-based management fees and fixed-fee planning options. No commissions or product-based incentives ensure objective recommendations.
Do you provide estate planning services?
Yes, we coordinate estate planning through document reviews, tax-efficient wealth transfer strategies, and beneficiary designation optimization while collaborating with legal professionals.
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