Retirement is one of the most significant financial transitions a person will face — touching income, lifestyle, health coverage, and available time. PENADMIN provides financial planning services to pension plan members and sponsors in Canada and the United States, including financial services, namely fee-for-service financial planning.

We take retirement planning beyond the projection. Members receive a clear financial picture — pension entitlements, government benefits, personal savings — alongside practical guidance on the personal and lifestyle changes that accompany retirement, so they can plan for financial security with confidence.

What our financial planning covers

For plan members

Retirement income projections integrating DB pension entitlements
Retirement date and pension option analysis (annuity vs. transfer value)
Government benefit timing — CPP/QPP and OAS in Canada; Social Security in the US
Transition planning for the non-financial side of retirement

For plan sponsors

Pre-retirement financial planning sessions offered as an employee benefit
Member education on plan provisions and retirement options
Planning support for owner-managers with Individual Pension Plans (IPPs)

Cross-border (Canada–US)

Retirement planning for members with service and benefits in both countries
Coordination of Canadian registered plans with US qualified plan benefits
Residency-transition planning for mobile employees and retirees

Credentialed, verifiable expertise

PenAdmin's financial planning practice is led by founder Salim S. Hajee, an FSRA-verified Financial Planner in Ontario holding the CERTIFIED FINANCIAL PLANNER® certification (FP Canada, since 1998), the Registered Retirement Consultant® (RRC®) designation, and the Chartered Financial Planner® credential (Canadian Institute of Financial Planning) — all in good standing. Learn more about our leadership.

Engagement example — US-based client

For a US-resident member of a Canadian defined benefit plan approaching retirement, PenAdmin provided financial planning services covering pension commencement options, the coordination of Canadian pension income with US Social Security, and the tax and residency considerations of drawing a Canadian pension while living in the United States. [CONFIRM: all facts, or replace with an actual engagement description.]

Start the conversation

Contact us to discuss fee-for-service financial planning for yourself or for your plan members — in Canada, the United States, or across both.

Contact us

PenAdmin provides pension and retirement planning consulting services. PenAdmin does not sell securities or insurance products and does not provide investment advice concerning specific securities. Financial planning engagements are provided on a fee-for-service basis under a written engagement describing scope and fees.