Fiduciary retirement planning · Ottawa
As a fiduciary firm, Betajbeta is bound by duty — not incentive — to act solely in your best financial interest, every step of the way.
Schedule a Complimentary Consultation Meet the firm
Each area of your retirement plan deserves focused, expert attention — not a one-size-fits-all approach.
We audit your current RRSP, TFSA and pension contributions, identify gaps, and build a tax-efficient accumulation plan calibrated to your timeline and income level.
Converting savings into dependable monthly income requires sequencing CPP, OAS, annuities and drawdown accounts in the right order. We map that sequence for you.
Beneficiary designations, powers of attorney and will alignment — we coordinate with your legal advisors to ensure your wishes are reflected without gaps or surprises.
Ongoing fiduciary advisory means we review your plan at least annually, flag changes in tax law or benefit rules that affect you, and adjust before problems arise.
“I had worked with two advisors before Betajbeta, and neither one explained the difference between fiduciary and commission-based advice. When the team in Ottawa laid out exactly how our OAS and RRIF drawdowns should be sequenced to minimize tax in our first five years of retirement, I finally felt we were dealing with people who were actually on our side.”
— Margaret L., Ottawa
A fiduciary review costs nothing to start. Bring your current plan — or start from scratch — and we will tell you plainly what we see.
Book Your Free Review
Most financial advisors in Canada are held to a suitability standard — they must recommend products that are “suitable” for you, even if a better, cheaper option exists. A fiduciary advisor is held to a higher bar: they must recommend what is in your best interest, full stop. At Betajbeta, that distinction shapes every conversation we have. We do not earn trailer fees, fund commissions or referral bonuses. Our fee is transparent, agreed in advance, and paid directly by you. This means the advice you receive in our azure-accented Ottawa office reflects your goals alone — not a product shelf.
Operating as a fee-only fiduciary practice in Ottawa, serving clients across Ontario.
Retirement plans built, reviewed or restructured since our founding in 2011.
We have never accepted a product commission or trailer fee — fiduciary duty in writing.