Retirement doesn’t follow a straight line—especially not for business owners. Maybe you're selling your company. Maybe you're transitioning the business to family. Maybe you're still deciding what retirement even means. Wherever you are in the process, Freeman Group Private Wealth Management is here to help.
Our retirement planning approach is designed to make the complex feel simple and the uncertain feel manageable. We don’t just give you a spreadsheet—we build a living, breathing retirement strategy that grows and adapts with you. Whether you’re five years out or stepping into retirement now, we guide you through every decision with clarity, structure, and confidence.
Small business retirement plans with full-picture thinking
For entrepreneurs and owners, retirement planning isn’t as simple as maxing out an RRSP. Most of your wealth is tied to your business. So the real question is—how do you turn that value into a retirement income you can trust? We create small business retirement plans that connect all the dots:
- Retirement income from inside and outside the business
- Succession planning that reflects your exit goals
- Holding companies, life insurance strategies, and tax planning
- Investment portfolios that keep working long after you step away
With Freeman Group, your business becomes a foundation—not a limitation—for your future wealth.
The decumulation shift: Spending without fear
For business owners used to reinvesting every dollar, the shift from saving to spending can feel unnatural. Our decumulation strategies are built to give you clarity: which accounts to draw from, how to sequence withdrawals, and how to balance income with tax efficiency.
We help you:
- Prioritize income streams (RRIFs, non-registered, pensions, etc.)
- Minimize taxes through strategic timing and income splitting
- Maintain sustainable withdrawals that protect long-term stability
You’ve worked hard to build your wealth—retirement is your time to enjoy it without second-guessing every decision.
Small business retirement plan options that evolve
There’s no one-size-fits-all plan for retirement—especially for small business owners. We walk you through all your small business retirement plan options, helping you decide what makes sense for your structure, your goals, and your stage of life.
That might include:
- Selling the business outright and investing the proceeds
- Creating a holding company to retain corporate profits
- Setting up Individual Pension Plans (IPPs) or Retirement Compensation Arrangements (RCAs)
- Leveraging corporate-owned life insurance as a retirement tool
Every business owner is different. That’s why our retirement plans are always built around you.
Protecting your wealth from tax erosion
Taxes are one of the biggest threats to a successful retirement. Our job is to protect your wealth from unnecessary tax by building efficiency into every step of the plan. That includes:
- Reducing tax at the time of sale or transition
- Designing income streams to lower annual tax bills
- Structuring your estate to minimize tax on death
- Using trusts, life insurance, and spousal strategies where appropriate
With Freeman Group, taxes don’t catch you off guard—they’re already accounted for.
Retirement for business owners means legacy planning too
You’ve built more than a business. You’ve built a legacy. Whether your goal is to pass the business to family, support your community, or leave a lasting financial gift, we help make that vision real.
We coordinate with your accountant, lawyer, and family members to ensure your wishes are honoured and your wealth moves exactly where you want it to go—efficiently and with purpose.
A plan that lives with you
We don’t believe in set-it-and-forget-it financial plans. Your life will shift. Markets will change. Your priorities will evolve. That’s why our retirement planning for business owners is built to adapt.
We revisit your plan regularly. We stay in contact. We adjust as needed—so you’re never left wondering if you’re still on track. And because we’ve worked with many small business owners across Nova Scotia, we know the patterns, challenges, and decisions that shape retirement for people like you.