We build retirement plans that protect your portfolio and your way of life. At Afshar & Machaalani Group, our approach is structured, tax-efficient, and designed to evolve alongside you. Whether you're planning a business exit, coordinating income from multiple sources, or figuring out how to enjoy what you’ve worked so hard to build, we ensure every piece of your plan supports your lifestyle, your family, and your long-term goals.
Retirement for business owners: Your next chapter, protected
Business owners face unique retirement challenges. Selling the company? Keeping it in the family? Taking a step back while staying involved? We understand the emotional and financial weight of this decision. Our retirement plans for business owners incorporate business valuation, succession planning, and estate transfer strategies that align with your life’s work.
We also coordinate with your accountant and legal team to ensure the transition is tax-efficient, clean, and future-proof. Whether it’s managing retained earnings, funding a pension for business owners, or planning for a liquidity event, we help you turn your business success into lifelong financial security.
High-net-worth retirement planning with real strategy
We build multi-layered retirement plans that align your investments, corporate structures, and estate goals into one cohesive strategy.
From tax-efficient income to legacy-building, we ensure every decision supports both your present lifestyle and long-term family impact.
Business retirement plans that grow with you
We help small business owners in Edmonton and surrounding areas structure retirement plans that integrate RRSPs, IPPs, and even tax-exempt insurance to minimize tax and provide long-term flexibility.
Our planning considers your entire financial world—personal and business—so you can retire with confidence, knowing your finances won’t work against you later.
The decumulation conversation: From saving to spending
You’ve built a strong financial foundation. But now comes the harder part—deciding how and when to use it. Decumulation is the art of drawing income from your assets in a way that sustains your lifestyle while protecting your capital.
Which account should you draw from first? What’s the most tax-efficient sequence? How can you split income with a spouse or use credits to reduce tax? We answer these questions with detailed scenario planning. You get a plan that shows how to enjoy retirement without fear of running out.
Small business retirement plans with tax-smart structure
We work closely with small business owners to implement retirement strategies that consider retained earnings, shareholder remuneration, and insurance-funded retirement income. These plans not only reduce lifetime tax but also ensure sustainable cash flow and liquidity during retirement.
Our business retirement plans also integrate succession and estate considerations—so your retirement isn’t isolated from your broader goals.