Savings Optimization
We audit your existing RRSP, TFSA, and non-registered accounts and model contribution scenarios that close the gap between where you are now and where you need to be — without disrupting your current lifestyle.
Retirement Planning · Edmonton
Who's guiding your retirement — or are you figuring it out alone?
At Alpharstone, you get one advisor who knows your name, your goals, and exactly where you stand.
Retirement planning shouldn't feel like guesswork
Most Canadians reach their late fifties having saved consistently but without a clear picture of what the next thirty years will actually cost — or pay. Alpharstone exists to close that gap. We work with Edmonton-area individuals and couples to translate decades of savings into a structured retirement income plan, pairing every client with a single named advisor who stays with you from the first meeting through every annual review. No call centres, no rotating consultants, no jargon without context. Just a straightforward plan that reflects your life.
Four disciplines, one cohesive plan
Every service we offer feeds into a single strategy built around your retirement date and your income goals.
Income Strategy
From CPP and OAS timing decisions to RRIF drawdown sequences and annuity options, we map a monthly income blueprint that keeps your money working in the right order, reducing tax drag over time.
Estate Planning
We coordinate with your legal counsel to align your beneficiary designations, spousal rollovers, and testamentary goals — ensuring your estate reflects your wishes and minimises unnecessary tax at death.
Ongoing Advisory
Markets shift, laws change, and life surprises you. Your dedicated advisor reviews your plan annually and reaches out proactively whenever a change in federal tax rules or your personal circumstances warrants a conversation.
“Before I met my Alpharstone advisor, I had three separate accounts with three different institutions and no idea how they connected. Within six months we had a single consolidated income plan, and for the first time I could actually see the retirement date on a calendar.”
Margaret T., Edmonton — retired 2023
Ready to put a name to your retirement plan?
Book a no-obligation introductory call — forty-five minutes, no sales pitch, just clarity.
“I appreciated that David, our advisor, actually called us in March when the federal budget dropped — without us having to ask. He had already run the numbers on how the new inclusion rate changes affected our estate plan. That kind of proactive attention is exactly what we were paying for.”
Robert & Linda K., St. Albert
Built in Edmonton, focused on the long game
Edmonton's economy moves in cycles — energy prices, housing values, and provincial policy all shape what retirement looks like here differently from Toronto or Vancouver. Alpharstone advisors understand those local rhythms. We've been helping Alberta families navigate the specific advantages and challenges of retiring in this province since 2011, and our advice is grounded in real knowledge of the local market, not a national template applied uniformly coast to coast.
