Annual plan review
A full review of your retirement plan each year: updated projections, account balances, income sequencing, and any adjustments triggered by changes in tax law or personal circumstances.
Ongoing Advisory
Retirement planning is not a one-time event
Stonehmint's ongoing advisory keeps your plan current through annual reviews, tax-year check-ins, and direct advisor access — so changes in your life or in the law do not catch you off guard.
A plan that evolves as you do
A retirement plan written in 2019 may be largely irrelevant by 2025 if it has not been updated to reflect changes in income, family structure, tax legislation, and market conditions. Stonehmint's advisory engagement is designed for clients who want a sustained relationship — not a one-time document. Each year, you sit down with the same advisor who knows your file, review the plan against what actually happened, and update projections going forward. Between those annual meetings, you have direct access to your advisor for questions that arise when legislation changes, when a family event has financial implications, or simply when you are uncertain about a decision.
What ongoing advisory includes
Sustained engagement, not periodic product sales.
Tax-year coordination
Each spring, we review your tax return alongside your advisor to catch contribution errors, missed deductions, and withdrawal timing that could improve next year's position.
Direct advisor access
Advisory clients have direct email and phone access to their named advisor — not a call centre. Questions receive a considered response, typically within one business day.
Life-event adjustments
Marriage, divorce, inheritance, a health diagnosis — each of these events has retirement-planning implications. We address them promptly, within the scope of your existing engagement.
“When the RRIF minimum withdrawal rules changed in 2023, I had an email from my Stonehmint advisor within a week explaining exactly what it meant for my drawdown schedule. That is the kind of service I was paying for — and it delivered.”
— Robert K., retired pharmacist, Sainte-Foy
What advisory does not cover
Our advisory service is strategic and coordinating — not discretionary investment management. We do not hold your assets, execute trades, or manage a portfolio on your behalf. If you require active portfolio management, we can refer you to a registered portfolio manager; we will continue to serve as the planning layer that coordinates with whoever manages your investments. Advisory also does not include legal or tax-filing services; those remain the domain of your accountant and notary respectively.
Already have a plan? Let us help you keep it working
Stonehmint's advisory engagement begins with a plan audit — a structured look at what you have and what may need updating.
Request a Plan Audit