The Julé Bespoke Wealth Advisory Group specializes in guiding Canadians retiring from government service. Unlike pension providers who focus solely on pension fund administration, we offer holistic financial planning—helping you consolidate all your assets and accounts for true financial clarity, security, and growth.

We work collaboratively with your tax advisors, your legal advisors, and our CIBC partners to guide you throughout every stage of the process. This integrated approach ensures that your financial strategies are aligned with your personal and business objectives.

Solutions Tailored to Your Retirement Stage

Why Choose The Julé Bespoke Wealth Advisory Group

• Beyond Pension Fund Management: Pension providers manage only your pension funds, leaving your other assets and accounts untouched. We bring everything together, giving you a unified strategy for your entire financial life.
• Personalized, Proactive Guidance: We deliver customized retirement plans based on your goals, family needs, lifestyle, and aspirations.
• Comparable Fees, Superior Value: Our fees are competitive with pension organizations, but our service goes far beyond basic fund administration.

Our Services for Pensioners

• Consolidate & Optimize All Financial Assets: Comprehensive Asset Management—We consolidate your pension, Registered Retirement Savings Plans (RRSP), Tax Free Savings Accounts (TFSA), investment accounts, savings, and other financial assets into a cohesive, tax-efficient strategy.
• Pension Optimization: Strategic advice on pension choices, survivor benefits, and integration with your broader financial plan.
• Tax-Efficient Withdrawals: With the guidance of your tax team, planning Registered Retirement Savings Plans (RRSP)/Registered Retirement Income Funds (RRIF) conversions, withdrawals, and income streams to minimize taxes and maximize retirement income.
• Government Benefit Coordination: Guidance on the timing and optimization of your Canada Pension Plan (CPP), Old Age Security (OAS), and other entitlements.

Holistic Retirement Planning

• Cash Flow Management: Detailed analysis of all income sources and expenses to support your retirement lifestyle.
• Investment Diversification: Sophisticated portfolios that help protect and grow your wealth beyond just your pension fund.
• Insurance & Risk Management: Comprehensive coverage reviews to ensure you and your family are protected from unforeseen risks.

Estate & Legacy Planning

• Estate Plan Reviews: Updates to Wills, Powers of Attorney, and trusts to reflect your wishes and minimize taxes.
• Philanthropic Strategies: Support for charitable giving and legacy creation.
• Family Financial Support: Plans for gifting, trusts, and supporting future generations.

Ongoing Support & Reviews

• Annual Financial Check-Ups: Regular reviews and adjustments to keep your entire financial plan aligned with your changing needs.
• Responsive Advisory Team: Direct access to your advisor for questions, updates, and support—no call centres.

The Julé Bespoke Difference

• Holistic, Proactive Planning: We manage your full financial picture, not just your pension.
• Expertise in Complex Needs: Advisors experienced in serving high-net-worth retirees from government branches.
• Personal Relationship: Dedicated service and ongoing guidance you won’t find with pension administrators.

Transferring Your Pension Funds: Simple & Guided Steps

Contact Our Team: Reach out to our investment advisors to discuss your retirement goals and begin the transfer process.
Review Your Options: We’ll help you understand your pension plan details and the available choices for moving your funds.
Complete the Transfer Forms: Our team will guide you through all the necessary paperwork to initiate the transfer from your pension provider.
Coordinate with Your Pension Provider: We work directly with your pension administrator to assist with a smooth, secure transition of your retirement funds. Our process is designed to be hands-off for you, with our team managing the details from start to finish.
Confirm the Transfer: Once your funds arrive, you’ll receive confirmation and a summary of your new investment account.
Build Your Investment Strategy: We’ll develop a personalized investment plan tailored to your retirement objectives.
Ongoing Support: Our team continuously monitors your portfolio and provides regular updates to help you stay on track.

Let The Julé Bespoke Wealth Advisory Group at CIBC Wood Gundy be your trusted partner on the path to financial success.

Step confidently into retirement with a partner who consolidates and manages all your financial assets—not just your pension fund.
Contact The Julé Bespoke Wealth Advisory Group today for a personalized consultation and discover how comprehensive wealth management can transform your retirement.