Who is Success Foundations Wealth Management?
We’re a London, Ontario financial planning firm led by Certified Financial Planners Bill Clunas and Gregori French. We help business owners, professionals, and families create clarity and confidence in retirement and wealth transfer.
What services do you offer?
Comprehensive financial planning, investment management, retirement income strategies, tax planning, estate planning, and insurance solutions.
How do I design my ideal retirement?
Lifestyle first, numbers second. We map your ideal retirement and then build an income and investment plan to fund it.
How do I know if I can retire?
We run a retirement readiness plan using The Bucket Plan™ to test income, savings, and spending so you’ll see how long your money lasts under different scenarios.
Should I take CPP early or wait?
It depends on health, cash flow, and other income. Starting early reduces payments; delaying to age 70 can increase them by up to 42%. We model both to find your breakeven.
How much money do I need to retire comfortably in Canada?
There isn’t one number. Many aim for 60–70% of pre-retirement income, but we tailor it to your lifestyle, taxes, and longevity.
How can I create predictable income in retirement?
We segment assets into short-, medium-, and long-term buckets (The Bucket Plan™) and add FlexGuard™ rules for sustainable withdrawals and inflation protection.
What makes your approach different?
We use visual frameworks—The Essential FORMula™, Strategic Wealth Matrix™, and Total Wealth Framework™—to turn complex choices into simple, actionable steps.
What does Balanced Money = Balanced Life mean?
Money should support your life, not control it. We align your plan with your values so you enjoy more freedom and peace of mind.
Who do you typically work with?
Business owners, professionals, and retirees who want structure, simplicity, and confidence in their financial decisions.
How do I get started?
Book a discovery call at https://www.meetwithbill.ca. We’ll start with your goals and current picture—no pressure, just clarity.
Should I pay off my mortgage or invest?
It depends on rates, taxes, and risk tolerance. A blended approach—reducing debt while investing for growth—often works best. We’ll run the numbers for you.
Are investment management fees tax deductible?
Fees for non-registered accounts can be deductible. Fees related to RRSPs, TFSAs, and RESPs aren’t. We structure accounts for tax efficiency.
What’s the difference between an RRSP and a TFSA?
RRSPs defer tax until withdrawal, often in retirement. TFSAs grow tax-free and withdraw tax-free anytime. The right mix depends on income and goals.
Do my kids pay tax when they inherit my RRSP or TFSA?
RRSPs are taxable to the estate or heirs unless rolled to a spouse. TFSAs remain tax-free. We design strategies to reduce estate taxes.
How can I reduce probate fees in Ontario?
Name beneficiaries, use joint ownership where appropriate, and keep your will and estate plan current to minimize assets passing through probate.
How much life insurance do I need?
Enough to clear debts, replace income, and fund future goals. We calculate a custom amount based on your family’s needs and timeline.
Where are you located?
240 Waterloo St, Suite 105, London, Ontario. Call 519-438-1559 or email https://www.meetwithbill.ca.
What’s it like to work with you?
Personal and structured. We listen first—Family, Occupation, Recreation, Money—then build a clear plan to grow, protect, and transfer wealth.