Finding the Right Financial Advisor for Retirement

A retirement focused advisor helps you turn years of saving into a predictable income strategy that supports the life you actually want to live. Instead of guessing when you can stop working or how much you can spend, you work with a financial professional to put your numbers, priorities, and timing into a clear retirement plan with practical financial planning at the centre.

In practical terms, this work is financial planning for a major transition. It brings your investments, taxes, and estate decisions into one coordinated approach so you can replace your paycheque with reliable income and reduce avoidable mistakes throughout retirement.

At a Glance: How a Retirement Focused Advisor Helps

A retirement focused advisor can help you:

Clarify your financial goals for the next chapter and translate them into a realistic spending target for retirement.
Build a retirement income stream that is sustainable and easy to understand.
Decide how and when to use pensions, RRSPs, TFSAs, and non-registered savings.
Improve tax outcomes through practical tax strategy, not just product selection.
Simplify accounts held across different account types, especially if they are spread across more than one provider.
Confirm that your estate documents and beneficiary choices align with the plan.

This kind of financial planning turns uncertainty into a retirement income plan you can follow year by year.

What a Retirement Advisor Really Does in Financial Planning

Retirement planning is a specific type of financial planning. Investing matters, but most of the value comes from how your income sources work together and how your decisions show up in real cash flow during retirement.

A retirement focused financial planner will help you:

List every income source you can rely on in retirement, including pensions, government benefits, and investment withdrawals.
Map out a timeline that shows when each income stream starts, how it changes, and how long it is likely to last.
Build an investment management approach that matches your risk tolerance and time horizon.
Choose a drawdown order that supports your goals and improves after-tax results.
Plan for one time costs like home updates, vehicle replacements, and family support so they do not derail the plan.

A common misconception is that retirement planning is only about choosing investments. Investment management can include mutual funds, ETFs, and other investment products, but the bigger question is how those holdings create spending power in retirement. A strong retirement income plan connects your investable assets to your spending target, your tax situation, and your time horizon. It also clarifies the role of registered plans, how withdrawals can affect government benefits, and what changes as markets move and as you move deeper into retirement.

The goal is clarity. You should know how your savings become income, what the trade-offs are, and what needs to happen next in retirement.

Meet Tyler Gliebe, MBA, CFP (Financial Planner)

Specializing in Retirement Planning, Financial Planning, and Income Planning

Tyler Gliebe is a financial planner who helps Northern Ontarians transition confidently into their next chapter. With deep roots in the community and over a decade of experience, he guides pre-retirees and retirees such as teachers, miners, business owners, and healthcare professionals through the process of turning savings into reliable, tax efficient income for retirement.

Known for his approachable style and technical expertise, Tyler blends investment management, tax strategy, and estate planning through Innova’s Wealthcare Process. He helps clients organize decisions that may sit across multiple retirement income sources and account types, then turns that complexity into a clear, step by step plan.

The Story Behind Tyler’s Passion

Having grown up and worked in Northern Ontario, Tyler understands the mindset of people who have worked hard their whole lives, saved diligently, and want to feel confident about what comes next in retirement.

He enjoys this stage because it is equal parts technical and personal. There are questions about taxes, pensions, and withdrawal order, but also conversations about lifestyle, travel, family, and legacy in retirement. Clients want straight answers, a plan they can understand, and guidance that feels grounded.

Common Retirement Challenges

Many people arrive with similar questions and concerns. Tyler frequently helps clients with challenges such as:

Knowing when they can stop working, and how to replace the paycheque with dependable income in retirement.
Deciding which accounts to draw from first, including a registered retirement savings plan, a tax free savings account, non-registered savings, pensions, and corporate accounts.
Managing taxes year to year and avoiding costly mistakes that reduce take-home income throughout retirement.
Coordinating estate and insurance decisions between spouses, especially when goals are shared and timelines differ in retirement.
Understanding what “enough” really means, emotionally as much as financially, as retirement gets closer.
Simplifying complexity, especially when accounts have accumulated over years at different institutions.

When these decisions are coordinated, it can make all the difference in how confident you feel and how much you keep after tax in retirement.

Building Your Retirement Income Strategy and Financial Goals

For most households, income comes from several sources at once. Tyler helps clients review the full picture for retirement, including:

Employer or government pensions.
Registered accounts such as a registered retirement savings plan, plus other registered plans where relevant.
Savings in a tax free savings account.
Non-registered investments, corporate accounts, or rental properties.
Government benefits such as CPP and OAS.

From there, the work becomes financial planning you can act on. Tyler will walk through questions like:

What level of income you want to count on each month in retirement, and what you want to keep flexible.
How to align investment management with the role each account plays in the plan.
When it makes sense to convert registered savings into retirement income products.
How to plan for irregular expenses without forcing last-minute decisions in retirement.
How to adjust your income stream if markets, inflation, or personal circumstances change during retirement.

Using projections, he stress tests the plan against different market environments and spending patterns, then updates the retirement income plan as your needs evolve. You see how your income may look in a base case and a more conservative case so you can decide with confidence for retirement.

How Tyler Works With Your Financial Institution and Other Professionals

Retirement focused financial planning often requires coordination. Tyler regularly works alongside:

Your bank or another financial institution, to confirm account structures, investment options, and any restrictions.
Pension administrators, to clarify benefit options at different start dates.
Tax professionals, when more complex business or estate factors are involved.
Legal professionals, to help ensure wills, powers of attorney, and beneficiary choices match the plan.

This coordination helps you avoid gaps between good advice and real implementation. It also helps keep your finances in good standing by making sure the essentials are completed, not postponed as retirement approaches.

Tyler’s Approach to Financial Planning and Investment Management

Tyler specializes in helping people within 10 years of a planned transition get their financial ducks in a row before they make the leap into retirement.

Through Innova’s Wealthcare Process, he integrates investment strategy, insurance, financial planning, tax strategy, and estate clarity. The process is designed to simplify complex decisions and unify every part of your financial life into a personalized plan for retirement.

A typical process includes:

A discovery conversation to understand your values, priorities, and risk tolerance.
A review of pensions, RRSPs, TFSAs, non-registered investments, and any corporate assets.
A written income strategy that outlines how and when to use each income source in retirement.
Practical tax planning that aims to reduce lifetime tax, not just tax this year.
Ongoing check-ins so your plan stays aligned as markets and life change in retirement.

What sets his approach apart is his focus on clarity. He communicates plainly, avoids jargon, and provides guidance you can actually implement.

Why Work With Tyler as Your Financial Planner

Clients appreciate Tyler’s long term commitment and know he is in it for the long run. His approach is grounded in financial planning that stays practical and personal, especially as goals shift through retirement. Alongside his MBA and professional designations, he continues his education through national conferences and advanced training so his strategies reflect current opportunities and rules relevant to retirement.

His goal is simple: to make a real difference, the kind that leaves clients saying, “I wish we had started sooner.”

Outside the Office

Beyond his professional life, Tyler is a husband, dad, and proud Northern Ontarian who loves hockey, golf, mountain biking, and spending time outdoors with his family and dogs. His easygoing nature often leads conversations to sports, local trails, or family adventures, reflecting the same authenticity he brings to client relationships.

Is Tyler the Right Fit for You?

If you want a clear, confident path forward, Tyler helps Northern Ontarians retire with purpose, not just with a stack of accounts.

You might be a good fit if you:

Want a plan that turns savings into a reliable income stream you understand for retirement.
Have multiple accounts at more than one provider and want to simplify before retirement.
Want coordinated guidance across investment management, estate planning, and tax planning.
Prefer financial advisors who listen first, then offer clear advice.
Want to seek advice that supports both your lifestyle and long term financial goals in retirement.

Frequently Asked Questions About Financial Advisors for Retirement

What does a retirement focused financial planner do?

A retirement focused financial planner helps you translate savings, pensions, and benefits into a sustainable income stream. The work includes financial planning, portfolio strategy, and tax strategy so your decisions support both lifestyle and long term security in retirement, whether your investments are held in mutual funds, ETFs, or other structures.

When should I start retirement planning?

Many people benefit most when they start 5 to 10 years before they want to stop working. That gives you time to clarify goals, strengthen your strategy, and make changes that improve future outcomes in retirement. It is also possible to improve a plan after you have already stopped working.

What should be included in an income strategy?

A strong plan includes your income sources, your spending target, a withdrawal order across account types, portfolio expectations, and an approach to taxes. It should also consider a spouse, estate wishes, and how to handle major one time expenses during retirement.