Ron and Mike

Ron and Mike have been partners in life for decades and now, partners in retirement, too. Whether it’s cycling through the countryside, hitting the gym or tending their garden in Maple Ridge, their days are full of energy, spontaneity and joy. But recently, after a two-month trip through Europe, they realized something bigger: this is what they worked for. Now it was time to make sure their money worked just as hard for them.

“We didn’t want to outlive our money, but we also didn’t want to just sit on it,” says Mike. “We want to travel. We want to enjoy life.”

For years, they’d been with a different advisor. Nice guy, but their financial future always felt a bit… uncertain. “It felt like he was reacting to us, not planning with us,” Mike recalls. That uncertainty became a low hum of worry, especially as they stepped into retirement.

That changed when they finally reached out to Everything Financial.

“We used to watch Peter on CTV every morning—5:45 a.m., coffee in hand, there he was,” says Ron. One day, they decided to go beyond the screen and book a meeting. “That first sit-down with Peter and Hayley? It just clicked. They showed us a graph—black and white. For the first time, we could see what our future looked like financially.”

With Everything Financial’s Omni Formula plan, Ron and Mike finally had the clarity they’d been missing. They now know what they can safely spend every month and still be on track for the future. Their custom plan accounts for everything—pensions, property, CPP, OAS—and helps them spend confidently, guilt-free.

“We’re finally giving ourselves permission to live the way we want—without fear, and without guilt.”

While the numbers were a game changer, what really set Everything Financial apart was the personal touch. “With our old advisor, we barely heard from him unless we reached out,” says Mike. “With Peter and Hayley, it’s a relationship. It’s proactive. It’s a team that really listens and explains things clearly.”

Even small gestures left a big impression. When the couple moved their funds from RBC to Manulife, they were hit with a few unexpected account transfer fees. “We submitted the invoices, and they reimbursed us right away. No hesitation. That told us everything we needed to know about how they do business.”

Now, Ron and Mike feel supported, understood and—above all—empowered. “They’ve educated us. We’re asking better questions. We understand what’s going on. There’s no more guesswork.”

So, what does financial freedom look like to these two retirees?

It’s first-class flights (no more cramped economy seats), spontaneous getaways and throwing epic backyard parties—pool open, food flowing, no one brings a thing. “I love seeing people relax and enjoy,” says Mike. “That’s the joy of giving.”

It’s also the peace of mind that comes from knowing the future is covered. Cancer, retirement, the ups and downs of aging—Ron and Mike have seen their share of curveballs. Now, they know they’re not facing them alone. “When you’re in this phase of life, you want to know someone is really looking out for you. That’s what Peter and Hayley do.”

If they could give one piece of advice? Start early. Build your financial team before retirement is on the horizon. And don’t underestimate the power of real estate—it helped them build stability, and now they’re sharing that wisdom with their niece (who they’ve already sent to Everything Financial).

Most of all, they say, find a financial advisor who truly connects with you—someone who listens, explains and treats you like a person, not just another client in the system. “We’ve never felt more comfortable walking into a financial office. We trust them. We know exactly where we are, where we want to be and how to get there. That’s what everyone deserves.”

Whether you’re just getting started or stepping into retirement, Everything Financial is here to help you create a personalized plan that gives you confidence and clarity—so you can spend, save and live the life you’ve worked for.

Book your complimentary consultation today and discover what financial freedom can really look like.