Retirement looks different when you’ve built something big.

MacDonald & Associates Private Wealth Management works with Canadians whose wealth is layered—corporations, holding companies, properties, investments, and family. Our job is to turn all of that into a retirement plan made just for you.

With offices in Edmonton, St. Albert, Calgary, Kelowna, and Salmon Arm, we serve clients from the Okanagan to Cold Lake in east-northern Alberta and everywhere in between.

Retirement For Business Owners

For business owners, retirement is a series of decisions.

  • Sell or keep
  • Borrow or distribute
  • Hold in the company or move it out

We help design retirement for business owners using strategies that connect your company, your personal balance sheet, and your lifestyle.

There is no single best retirement plan for a business owner. There is only the best approach for your situation. We help you find it—and then keep it working.

Decumulation Done Deliberately

Accumulation is one thing. Decumulation is another.

We map out how money flows to you in retirement—what comes from corporations, what comes from non-registered assets, what comes from registered plans, and when each source shows up. The goal is simple: keep your lifestyle steady while lowering lifetime tax and keeping your estate and giving goals on track.

This is the heart of our work in retirement planning: one coordinated plan working to serve your life.

Fast, Accountable Service

Full-service retirement planning only works if it keeps working in real time. When something shifts—markets move, a deal changes, a tax deadline shows up, a family decision lands—our job is to respond quickly and take ownership. We coordinate across your accountant, lawyer, and other professionals, fix what needs fixing, and keep you informed with clear next steps. Especially in volatile moments, you shouldn’t be left guessing. You should feel supported, updated, and steady.

Problem-solving That Leaves No Stone Unturned

Every retirement plan starts with a deep review—big picture first, then the fine print. We look for gaps, friction, and missed opportunities across your accounts, corporations, benefits, insurance, and estate details.

We test different paths, stress-test the “what ifs,” and bring in advanced planning partners when it makes sense.

Then we simplify it all back into one clear plan you can follow—guidance that can handle complex situations while still feeling practical, understandable, and built around your full financial life.

Book Your Free Consultation Today

Book a free consultation and let’s map out your next steps—so your retirement plan stays clear, responsive, and built for the real-life decisions ahead.