Fee-Only Retirement & Tax Planning
Arrive Better Prepared, Wherever Life Takes You

Will your money last?
Will your family be okay?

If you’re within 10 years of retirement, those are the two questions that keep coming back. I’m a Certified Financial Planner who also prepares your taxes — so your retirement income, your taxes and your family’s safety net are planned together — not split between an accountant who files your taxes and an advisor who picks your investments, with nobody actually tax-efficiently planning your retirement.

Will my family be okay?Spouse Briefing ($750)→ Will my money last?Mini Financial Plan ($750)→ Want a second opinion?Portfolio Review ($750)→
Not sure where to start? Book a free 20-minute call →
CFP Certified Financial Planner FCSI Fellow of CSI
Joanne is a Certified Financial Planner (CFP®) with over 25 years of experience. She holds the designation of Fellow of the Canadian Securities Institute (FCSI®).
Look up my credentials →  ·  Learn more about me →
Joanne David CFP FCSI — Financial Planner, Edmonton Alberta
Joanne David CFP FCSI
For Canadians within 10 years of retirement —
professionals, business owners, engineers,
and the women making the decisions.
Who I Serve

Nearing retirement? Find your situation below.

Click any group to see how I can help with your specific situation.

Within 10 Years of Retirement

This is the most critical planning window. CPP timing, RRSP drawdown and income strategy can make or break your retirement.

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Professionals

High salary or partnership draw, not a corporation yet. Top-bracket tax, a short peak-earning window, and a retirement that has to last as long as you do — we plan the drawdown before the paycheque stops.

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Incorporated Business Owners

Running your own corporation? Salary vs. dividend, retained earnings, PHSPs, and succession planning — we help you keep more of what you earn.

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Engineers & Oil Patch Workers

Boom years, then a layoff. Per diems, rotations, and a body on a clock. We bank the high years so the money still lasts through the next downturn — and after you leave the site.

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Construction & Trades Workers

Union pension, slow season, tools, and a trade your body won’t do forever. We show what the pension actually pays and build the rest so you can step off the job before the job steps off you.

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Small Business Owners

Self-employed or running a small operation? We help you separate personal and business finances, plan for taxes, and build toward retirement.

Learn more → You’ve spent 30 years building it — see all the people we help →
FREE MONTHLY INSIGHTS

Get Practical Financial Tips

Practical retirement, tax, and investment strategies delivered monthly — written for professionals, engineers, business owners, and women planning for retirement.

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What We Offer

Comprehensive financial services,
all under one roof.

From building your investment strategy to filing your taxes, I offer integrated financial guidance so your money decisions work together.

Financial Planning

Comprehensive, holistic financial planning tailored to your full life picture.

Retirement Planning

Strategic retirement income, CPP/OAS optimization, and pension decisions.

Investment Planning

Independent investment advice and portfolio construction via Keybase Financial Group.

Estate Planning

Protecting and passing on your wealth efficiently and tax-wise.

Tax Planning & Preparation

Personal and small business tax returns with proactive planning.

Disability Tax & Caregiver Credits

Free eligibility review and assistance claiming these valuable credits.

Insurance

Life, disability, health, dental, and travel insurance solutions.

Everything you need, all under one roof — see all of our services →

6 Financial Mistakes High-Income Professionals Make

Common tax and investment errors that cost professionals thousands every year — and how to avoid them.

Download Free Guide →
📋 Free Checklist

The Alberta Energy Professional’s Financial Checklist

The decisions you make once. Income and cash flow, RRSP strategy, pension and CPP timing, insurance, and estate planning — built for engineers and oil patch professionals in Alberta.

Download Free Checklist →

Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.

→ View All Free Checklists & Guides
Free Tool

Your personalized tax calendar — free, instant, no login.

Enter your situation — personal, sole proprietor, or corporation — and we'll generate a custom calendar PDF with every financial and tax deadline that applies to you, colour-coded and labelled clearly.

Generate My Free Calendar →
📅
2026 Tax Calendar
Personal · Sole Proprietor · Corporation
✓Personal tax deadlines — always included
✓Sole proprietor & GST filing dates
✓Corporate deadlines from your custom fiscal year-end
✓RRSP, TFSA, FHSA contribution windows
✓Beautiful multi-page printable PDF
✓Professional printing available
The decade, in order
10–7 years out Build the map, while you can still change it
6–4 years out Shape the tax before it is fixed
3–1 years out Lock the sequence — some you choose once
The year you retire Your highest-leverage tax year
First five years The cheap window almost everyone wastes
Free Guide

Retiring within ten years? Here is what to do, and when.

You have spent thirty years learning how to save. Nobody has taught you how to take it out — and that runs on a schedule. Tell us the year you plan to stop working and see the decisions that belong to your phase, in the order they need making.

See My Retirement Countdown →
Client Stories

What clients say.

"

Joanne took the time to understand my whole situation — not just my portfolio. For the first time, I feel genuinely in control of my financial future.

Kris V., Calgary AB

"

I care for my aging parents. I didn't realize how many tax credits I was missing until Joanne reviewed my tax file. She found thousands of dollars I was leaving on the table every year.

Kelly G., Edmonton AB

"

Finally, an advisor who explains things clearly and doesn't make me feel like I should already know everything. Joanne is the real deal.

Kim S., Saskatoon SK

"

We cannot thank you enough for what you have done for us. We could not have done it without you. You looked after everything.

Jean-Guy G. & Geri W., Newfoundland

"

My wife and I have been working with Joanne for years and appreciate how efficiently she handles everything. We could not be in better hands.

Raj B., Edmonton AB

"

The best thing that happened to me was being referred to Joanne by a family member.

Darlene P., Edmonton AB

Joanne David CFP FCSI
About Joanne

A financial advisor who speaks your language — and understands your world.

I'm Joanne David, a Certified Financial Planner (CFP®) and Fellow of the Canadian Securities Institute (FCSI®) based in Edmonton, Alberta. For over 25 years I've helped Albertans make smarter decisions with their money.

I believe financial planning should feel empowering — not overwhelming. My approach is direct, jargon-free, and always in your interest. As a fee-only, independent planner, I have no incentive to sell you anything. My only job is to give you the best advice to improve your situation.

Independent & fee-only — no commissions, no conflicts
Deep experience with Alberta and Western Canadian finances
Trusted by professionals, engineers, and business owners
Plain-language advice that respects your intelligence
Book a No-Obligation Call
Joanne David CFP FCSI
Portfolio Review — $750

Is Your Portfolio Actually Working for You?

For $750, I’ll review your existing RRSP, TFSA, and open holdings and deliver a written report covering your current allocation, the fees you’re paying, how diversified your portfolio is, and changes you may want to consider.

  • ✓  Your current asset allocation, clearly explained
  • ✓  The fees you’re actually paying
  • ✓  How diversified (or concentrated) your holdings are
  • ✓  Specific changes you may want to consider
Request Your Portfolio Review →

Delivered within two weeks of receiving your statements.
30-day guarantee: if you’re not satisfied with the written report for any reason within 30 days, request a refund.

Ready to see what your money could do?

Book a free 20-minute exploratory call. No pressure, no jargon — just an honest conversation.

Book Your Free Call