How to Transition from a Corporate Career to Retirement in Calgary
Learn how Calgary professionals can confidently transition from corporate careers to retirement with tax-smart income planning, pension strategies, and lifestyle-aligned wealth management.

Written by
Ryan Gubic
Published on
18
Jul 2025
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How to Transition from a Corporate Career to Retirement in Calgary
Retirement is no longer a cliff—it’s a transition. For many Calgary professionals, especially those in executive or senior corporate roles, the move from full-time work to financial independence involves more than just stopping the paycheck. It’s a shift in identity, cash flow, and long-term financial planning.
This article walks you through the key financial and lifestyle steps to prepare for a confident and structured retirement transition, written by a financial advisor in Calgary who specializes in retirement planning for Calgary professionals and business owners.
1. Know Your Retirement Readiness Number
The first question most pre-retirees ask:
“Do I have enough money to retire?”
The answer depends on four things:
- Your expected retirement lifestyle
- Your mix of taxable, tax-deferred, and tax-free accounts
- The age at which you want to retire
- Your life expectancy
A proper retirement plan income projection considers:
- Cash flow needs (including inflation)
- CPP and OAS timing
- Investment withdrawal sequencing
- Investment portfolio returns and stress testing
At MRG Wealth Management, we use scenario modeling to help clients visualize their retirement readiness with clarity—not guesswork.
2. Structure Your Income in Retirement
Once your paycheque stops, you need a systematic withdrawal strategy. Drawing income in the wrong order can lead to unnecessary taxes and lost government benefits.
An optimized wealth management plan typically blends:
- RRSP/RRIF withdrawals
- TFSA tax-free income
- Non-registered investment account income and capital gains
- CPP and OAS timing (often delayed for higher payouts)
- Corporate dividend strategies (if incorporated)
The key is to minimize tax drag and smooth your retirement income across time.
3. Review Your Investments for Post-Career Objectives
As you approach retirement, your investment strategy should evolve to prioritize:
- Preservation of capital
- Stable income generation
- Tax efficiency
- Inflation protection
But this doesn’t mean selling everything and buying GICs. A smart post-retirement investment portfolio might include:
- Dividend-paying equities
- Fixed income ladders
- Real assets or alternatives (for diversification)
- Tactical cash buffers for volatility
A discretionary portfolio manager can manage your wealth management strategy for you proactively, while keeping your risk and return in balance. It is important to discuss your specific needs and circumstances with a qualified professional like a financial advisor in Calgary.
4. Understand Your Corporate or Workplace Pension Options
If you’re leaving a corporate role, you may have:
- A Defined Benefit (DB) pension to convert or start drawing
- A Defined Contribution (DC) pension to transfer to a LIRA or RRSP
- A group RRSP to consolidate
Each option has pros, cons, and tax considerations. Evaluating these in the context of your financial plan is critical—not just looking at the numbers in isolation.
5. Plan for Healthcare and Insurance Post-Employment
Many professionals lose their group benefits upon retirement. You’ll need to assess:
- Individual or family health plans
- Travel insurance for extended time abroad
- Life insurance needs (for legacy, estate tax, or final expenses)
- Long-term care funding strategies
Don’t assume your needs disappear in retirement—some risks shift, and others become more pressing.
6. Align Your Lifestyle Goals with Your Wealth Management Plan
Retirement should reflect your values, not just your numbers. For some, that means:
- Downsizing and freeing up equity
- Spending more time in warm climates or with grandkids
- Launching a second career or passion project
- Supporting charities or family members
Your financial plan and wealth management strategy should be flexible enough to support what matters most to you, even as goals evolve and your financial advisor in Calgary can help.
Transition To Retirement with Confidence, Not Uncertainty
At MRG Wealth Management, we specialize in helping Calgary professionals and business owners retire on their own terms. As your Personal CFO and financial advisor in Calgary, we build a clear, tax-efficient wealth management plan to turn your career success into lasting financial independence.
Book a complimentary retirement readiness call and take the guesswork out of your next chapter.
Ryan Gubic is the founder of MRG Wealth Management Inc. operating as MRG Wealth (“MRG”) and is a Portfolio Manager with MRG investments of Aligned Capital Partners Inc. (“ACPI”). The opinions expressed are not necessarily those of MRG, ACPI, or Ryan Gubic. This material is provided for general information and the opinions expressed and information provided herein are subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Before acting on the information presented, seek professional financial advice based on your personal circumstances. ACPI is a full-service investment dealer and a member of the Canadian Investor Protection Fund (“CIPF”) and the Canadian Investment Regulatory Organization (“CIRO”). Investment services are provided through MRG Investments, an approved trade name of ACPI. Only investment-related products and services are offered through MRG Investments of ACPI and covered by the CIPF. Financial planning and insurance services are provided through MRG. MRG is an independent company separate and distinct from MRG Investments of ACPI.
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