You’ve spent a lifetime building your wealth, your business, and your family story. At Schiller, Spence & Associates Private Wealth Management, we specialize in financial planning for pre-retirees and retirees who want to move from growth to fulfillment. With offices in Lloydminster and Edmonton, we serve clients across Alberta, Saskatchewan and BC, helping them navigate this critical life transition with confidence and care.
Turning achievement into assurance
Retirement is the next evolution of your financial life. Whether you’re about to step away from your business or already enjoying more time with family, your financial world needs to adapt. Our advice-first, full-picture planning approach brings every element, tax, estate, investment, and cash flow into one coordinated strategy. We help you maintain the lifestyle you’ve built while preparing for what comes next.
Creating sustainable income for life
When your paycheque stops, your wealth becomes your income. We help you build diversified, tax-efficient income streams that feel predictable and easy to manage. Through pension optimization, RRIF and TFSA withdrawal strategies, dividend planning, and corporate investment structures, we ensure your income supports your goals, whether that’s travel, family support, or community giving. Our team-based relationships mean decisions happen quickly and cohesively, keeping your plan on track through every stage of retirement.
Maximizing tax efficiency and estate value
Thoughtful tax planning is essential in retirement. Our CERTIFIED FINANCIAL PLANNER® professionals identify opportunities to minimize taxes through income splitting, charitable giving, and well-timed withdrawals. We also help you prepare for legacy transitions with thoughtful estate structures that reflect your values. Many clients turn to us for guidance on trusts, beneficiary planning, and charitable strategies that allow them to pass on both wealth and purpose.
Protecting your health and your wealth
Healthcare costs can rise as you age, and preparation brings peace of mind. We help you anticipate future expenses and structure your wealth to protect your independence. For some, that includes insurance solutions to cover medical or long-term care needs; for others, it means ensuring liquidity to handle the unexpected. Whatever the approach, the goal is simple: to safeguard both your well-being and your financial confidence.