The Story Behind J-F’s Passion
J-F’s entrepreneurial spirit and love of learning have shaped both his career and his approach to advising retirees. Having launched his first business at age 14 and continued innovating across tech, real estate, and finance, he understands the mindset of individuals who have built wealth and want to make it last.
He believes in empowering clients to enjoy the lifestyle they have earned, while protecting and growing their assets in a structured, tax efficient way. He knows that retirement is the result of decades of hard work and saving, and he takes seriously the responsibility of helping clients manage that wealth with care.
Beyond finances, J-F is deeply committed to his community, recognizing that true retirement is not just about personal security, but also about leaving a legacy. His work with the Golf Marathon for Hope, multiple boards, and charitable initiatives reflects his dedication to making a positive impact while guiding clients toward a fulfilling retirement.
Retirement Income
For lifestyle retirees, retirement income is one of the most important questions. J-F helps clients organize income from various sources, including pensions, registered retirement savings plans, locked in accounts, non registered investments, and business or rental income.
His focus is on building a retirement income strategy that is sustainable, tax aware, and aligned with the lifestyle you want. That includes planning how and when to draw from registered retirement savings plans, how to use non registered funds, and how to coordinate income so that you can feel secure about monthly expenses without sacrificing your long term financial goals.
Financial Planning
J-F takes a holistic, integrated approach to financial planning for lifestyle retirees, guided by the Innova Wealth Partners Wealthcare Process. His work brings together investment strategy, tax planning, insurance, and estate considerations into a single, coordinated plan.
Financial planning at this stage is about more than projecting numbers. It is about understanding your values, your health, your family situation, and the retirement years you want to enjoy. From there, J-F helps you establish clear financial goals and develop a plan that supports your well being, rather than causing worry about money.
Financial Planner
As a financial planner and financial professional, J-F provides both technical guidance and practical support. He works closely with clients to clarify where they stand today, from net worth and portfolio structure to debt, cash flow, and upcoming expenses.
He then builds strategies to manage finances in a way that feels organized and intentional. That can include setting spending guidelines, reviewing fees and costs on existing funds, and identifying opportunities to improve tax efficiency. His role is to translate complex financial ideas into clear, actionable steps that fit your life.
Retirement Savings
Retirement savings shift from accumulation to distribution as you move fully into retirement. Many retirees hold savings in registered retirement savings plans, tax free savings accounts, corporate accounts, or investment products such as mutual funds and other pooled funds.
J-F helps clients review where their savings are held, how those assets are invested, and how they support both current income needs and future goals. This includes considering how existing products from institutions like Royal Mutual Funds Inc, Royal Trust Company, or other firms fit within the broader portfolio, and whether adjustments are needed to match your current risk tolerance and lifestyle.
Retirement Plan
A strong retirement plan provides clarity, confidence, and structure. J-F’s approach to retirement planning is grounded in tactical asset allocation and careful risk management. He develops plans that are designed to withstand market volatility, inflation, and changing life circumstances.
This retirement plan typically covers:
- Income planning from various sources over your retirement years
- Tax planning and strategies to manage withdrawals in a tax efficient way
- Debt reduction or elimination where appropriate
- Planning for major expenses such as travel, home projects, or health related costs
- Estate and legacy planning so that assets are transferred according to your wishes
The result is a coordinated retirement plan that allows you to spend, give, and live with a positive sense of security about the future.
Retirement Lifestyle
Lifestyle retirees often have different ideas about what retirement should look like. For some, it is travel and adventure. For others, it is community work, time with family, or exploring new hobbies and business ventures. J-F’s focus is to align your financial life with the retirement lifestyle you actually want.
He helps clients answer questions such as:
- How much can I comfortably spend each year
- How do I adjust my portfolio so I can enjoy life without taking unnecessary risk
- How do I plan for health related expenses and rising costs over time
- How do I balance supporting family with preserving my own long term security
By grounding the plan in your real life, rather than a generic model, J-F helps you retire with confidence and clarity.
Retirement Goals
Retirement goals go beyond a specific number in an account. They include how you want to use your time, the legacy you want to leave, and the level of flexibility you want to maintain. J-F begins with a conversation about these personal goals, then works backwards to design a financial strategy that supports them.
That might mean structuring investments to fund regular travel, planning charitable giving from specific accounts, or ensuring that estate and trust arrangements reflect your priorities. Whether your goals are focused on family, community, or personal experiences, J-F’s role is to create a financial framework that helps you achieve them.
