Approaching retirement? Already there? Whether you're exploring new hobbies, travelling the world, or spending time with family, retirement should be about living—not financial guesswork. But real wealth management isn’t just about having a portfolio; it’s about ensuring your wealth moves with you, not against you.
At Kalinka Group Private Wealth Management, your Victoria financial planner, we act as your personal CFO—handling the complexities of wealth, taxes, and estate structuring so you can focus on what matters most. With our ultra-high-touch retirement planning service, we integrate financial strategies that keep your wealth working efficiently, no matter where life takes you.
A living plan, not a one-time strategy
Markets change. Tax laws shift. Life throws surprises. That’s why a one-time financial plan doesn’t cut it. We build Living Plans—dynamic retirement strategies designed to adapt in real time. Your retirement should be flexible, allowing you to enjoy life while maintaining financial security.
- Ongoing adjustments – We proactively refine and recalibrate your financial strategy as your life evolves.
- Tax-efficient withdrawals – Structuring your income to minimize taxes while maximizing cash flow.
- Investment flexibility – Adapting your portfolio to market conditions without unnecessary risk.
- Contingency planning – Preparing for unexpected healthcare costs, family needs, or financial shifts.
Your wealth should be an asset, not a burden. With a Living Plan, you’re always financially prepared.
Keeping more of what’s yours: tax-smart retirement planning
Accumulating wealth is only half the equation—keeping it is the real challenge. Taxes can erode decades of careful financial growth. Our retirement planning approach ensures your money is positioned for maximum efficiency.
- Tax-optimized investment strategies – Structuring your portfolio for long-term tax savings.
- Retirement income planning – Strategizing withdrawals so you keep more of your wealth.
- Estate preservation – Ensuring your assets transfer smoothly to the next generation. The less you lose to unnecessary taxes, the more freedom you have to enjoy your retirement.
Business owners: turning years of success into a retirement paycheque
For business owners, wealth is tied up in your company. But what happens when it’s time to exit? We specialize in helping successful entrepreneurs maximize the value of their business sale and turn business assets into a structured retirement income.
- Business sale & transition planning – Structuring exits for optimal financial efficiency.
- Tax-smart liquidity events – Minimizing tax hits when converting business assets into personal wealth.
- Estate & succession strategies – Ensuring your business and wealth transfer seamlessly.
We’ve helped clients navigate eight-figure business exits with strategic planning that puts their hard-earned success to work for retirement.
A predictable retirement paycheque
The biggest financial fear in retirement? Running out of money. Your investments need to generate a reliable, predictable income stream so you can enjoy your lifestyle with confidence.
We help you:
- Structure withdrawals to ensure consistent, tax-smart cash flow.
- Optimize pensions, RRIFs, and other income sources for longevity and stability.
- Protect against inflation & market downturns so your wealth isn’t eroded over time.
Retirement should feel financially effortless. With Kalinka Group, it does.
Estate planning: building a lasting legacy
Your wealth represents decades of effort. Without the right planning, taxes, legal fees, and complications could erode your legacy before it reaches your loved ones. We ensure your estate plan is built to preserve, protect, and efficiently transfer your wealth.
- Tax-smart wealth transfer – Minimizing estate taxes so your heirs receive more.
- Trusts & strategic gifting – Passing wealth efficiently while maintaining control.
- Charitable legacy planning – Maximizing the impact of philanthropic giving.
Your wealth should tell your story. We make sure it’s written on your terms.