Sheena Magnotta PFP, QAFP - Financial Planner, Sun Life

Sheena Magnotta PFP, QAFP - Financial Planner, Sun Life I help individuals and small business owners retire with confidence. I am pleased to be associated with WSC Financial Solutions.

These are my personal opinions and do not constitute professional advice nor do they reflect the official position of Sun Life. A clear connection: Your relationship with Sun Life can be viewed by copying and pasting the following link: bit.ly/3FevgFo. Advisors and their corporations conduct insurance business through Sun Life Financial Distributors (Canada) Inc. Mutual fund business is done with your advisor through Sun Life Financial Investment Services (Canada) Inc.

Many people assume retirement income is straightforward.Collect CPP. Start OAS. Withdraw from your RRIF.But the order an...
07/17/2026

Many people assume retirement income is straightforward.

Collect CPP. Start OAS. Withdraw from your RRIF.

But the order and timing of these decisions can have a meaningful impact on your taxes, your cash flow, and how long your savings last.

A well-designed retirement income plan isn't about maximizing one benefit. It's about making all of your income sources work together.

In this carousel, I explain the role CPP, OAS, and your RRIF each play, and why having a strategy matters.

If you're within 10 years of retirement or already retired and want to feel more confident about your income plan, I'd love to help.

Use the booking link in my bio to schedule a complimentary retirement planning call. We'll review where you are today, discuss your goals, and identify opportunities to create a more coordinated retirement income strategy.

"The goal isn't to beat the market. It's to build a life the market can't disrupt."This is one of the most important min...
07/15/2026

"The goal isn't to beat the market. It's to build a life the market can't disrupt."

This is one of the most important mindset shifts in financial planning.

Markets will rise. Markets will fall. That is something we cannot control.

What we can control is building a financial strategy that helps you stay confident through every market cycle.

That means having:
• A diversified investment strategy
• Reliable retirement income
• Tax-efficient planning
• Adequate cash reserves
• A plan designed around your goals, not market headlines

True financial success is not measured by outperforming the market in any given year. It is measured by having the confidence to make decisions based on your long-term plan instead of short-term emotions.

Because the ultimate goal is not just growing wealth. It is creating the freedom and security to live life on your terms, regardless of what the markets are doing.

If you'd like to build a financial strategy that is designed for resilience, let's start the conversation.

📩 Send me a DM or book a complimentary consultation through my booking link: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

07/13/2026

Many retirees assume they'll pay less tax once they stop working.

But that's not always the case.

Often, it's not about having too much money. It's about not having a tax-efficient withdrawal strategy.

The order you withdraw from your RRSPs, RRIFs, TFSAs, and non-registered accounts can have a meaningful impact on how much tax you pay over your lifetime.

A well-designed retirement income strategy looks beyond your investments. It considers when to draw income, how to manage your tax brackets, and how to help your savings last as long as possible.

Retirement planning isn't just about building wealth. It's about knowing how to use it wisely.

If you're approaching retirement or already retired, now is a great time to review whether your withdrawal strategy is working as efficiently as it could.

Use my booking link to schedule a complimentary retirement planning call and let's discuss how to create a retirement income strategy that's designed to help you keep more of what you've worked so hard to build.

https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

07/10/2026

After losing a spouse, it's natural to think about investments or what the markets are doing.

But those usually aren't the first financial questions that need to be answered.

The first question is:

What has changed financially, and what do I need to understand now?

That may include:
• Understanding which income sources will continue.
• Reviewing accounts, beneficiaries, and legal documents.
• Identifying any tax changes that may affect you going forward.

These conversations can feel overwhelming, especially during a time of grief. You don't need to have every answer right away, but gaining clarity can help make the next steps feel more manageable.

Financial confidence doesn't come from having all the answers. It comes from understanding your options and having a plan for what comes next.

If you're navigating the loss of a spouse and would like guidance through the financial decisions ahead, use the booking link in my bio to schedule a complimentary call. Together, we can review your situation, answer your questions, and help you move forward with greater confidence.

Many people think financial independence means reaching retirement.I see it differently.Financial independence is about ...
07/08/2026

Many people think financial independence means reaching retirement.

I see it differently.

Financial independence is about having options.

It is the freedom to choose how you spend your time, when you retire, whether you continue working because you want to, not because you have to, and having the confidence to navigate life's unexpected changes.

The question is not simply, "Will I have enough?"

It is, "Am I creating enough flexibility to live life on my terms?"

The right financial strategy goes beyond investment returns. It considers tax planning, retirement income, estate planning, risk management, and building a plan that supports the life you want to live.

The earlier you understand your options, the more opportunities you have to make informed decisions.

If you're ready to explore what's possible for your financial future, let's start the conversation.

📩 Send me a DM or book a complimentary consultation through my booking link: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Year-end tax planning is about more than reducing this year's tax bill. It is an opportunity to make strategic decisions...
07/06/2026

Year-end tax planning is about more than reducing this year's tax bill. It is an opportunity to make strategic decisions that can strengthen your business and support your long-term financial goals.

Here are three questions every incorporated business owner should be asking before year-end:

✔️ Am I paying myself in the most tax-efficient way?

✔️ Have I taken advantage of every tax planning opportunity available?

✔️ Is my tax strategy supporting my long-term wealth goals?

The answers are different for every business owner. Your income, corporate structure, retirement plans, and future objectives all play a role in determining the right strategy.

The most valuable tax planning opportunities often require action before December 31. Waiting until tax season may mean missing opportunities that are no longer available.

If you have not reviewed your year-end strategy yet, now is the time to start the conversation.

📩 Send me a DM or book a complimentary consultation through my booking link: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Happy Canada Day!Wishing you and your family a safe and happy Canada Day filled with laughter, good company, and plenty ...
07/01/2026

Happy Canada Day!

Wishing you and your family a safe and happy Canada Day filled with laughter, good company, and plenty of reasons to celebrate.

06/29/2026

If you're a business owner approaching 60, here are three things to have on your radar:

1. Your corporation is more than a business. It's a valuable wealth-building tool, and how you manage those assets matters.

2. Retirement income requires a strategy. Building a successful business doesn't automatically create a retirement plan.

3. Succession planning takes time. Whether you're selling, transitioning to family, or winding down, planning years ahead often leads to better outcomes.

Your business has likely been one of your greatest assets. Make sure you have a plan for what comes next.

Which of these have you already addressed?

Opinions are my own and are provided for general information purposes only. They are not intended as financial, tax, or legal advice.

Nobody wants to think about this. But the couples who have had this conversation are the ones who feel most prepared whe...
06/24/2026

Nobody wants to think about this. But the couples who have had this conversation are the ones who feel most prepared when life asks them to be.

When one spouse passes, the financial picture shifts immediately. Income changes. Accounts need to transfer correctly. Decisions need to be made quickly, often by someone who was never part of the financial conversations to begin with.

That is not a position you want to be in for the first time during one of the hardest moments of your life.

Estate planning, beneficiary designations, survivor income, account structure. These are not complicated conversations. They just need to happen before they become urgent.

If you and your partner have been putting this off, this is your sign to change that.

Book a call through the link in my bio and let's walk through it together.

Sheena Magnotta, Fiero Financial Solutions

The results are in. Working with a financial advisor dramatically increases retirement readiness.86% of pre-retirees wor...
06/22/2026

The results are in. Working with a financial advisor dramatically increases retirement readiness.

86% of pre-retirees working with an advisor feel financially ready for retirement. Without one, that number is 41%. Among retirees, 95% feel confident with an advisor compared to 72% without.

That is not a small difference. That is the difference between arriving at retirement with clarity and arriving with uncertainty.

A financial advisor is not just someone who manages your investments. They are the person who helps you understand what you have, what you need, and how to bridge the gap without leaving money on the table.

If you are approaching retirement and you are not working with someone you trust, that is worth changing.

Book a call through the link in my bio.

Source:
https://www.fidelity.ca/content/dam/fidelity/en/documents/press-release/2026/2026%20Retirement%20Report%20Press%20Release%20EN.pdf

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