You’ve built success through hard work, dedication, and vision. Now it’s time to make that success work for you. At Patterson & Associates Private Wealth Management, we specialize in Victoria retirement planning that helps business owners and professionals transition from building wealth to enjoying it with confidence. Through a calm, structured approach, we integrate retirement income, tax strategies, and investment management into one seamless plan—so every decision supports your lifestyle today and your goals for tomorrow.
Retirement planning built around your goals
Retirement isn’t the end of a journey—it’s the beginning of a new one. We help clients design personalized retirement planning strategies that reflect their unique ambitions, whether that’s travel, family time, philanthropy, or simply maintaining the lifestyle they’ve worked hard to build. We listen carefully, explain clearly, and show the numbers behind every decision, turning financial complexity into clarity. Each plan adapts as your life evolves, ensuring your wealth continues to serve your priorities with confidence and purpose.
The best retirement for small business owners
For business owners, retirement involves more than winding down operations—it’s about transforming business success into personal security. Our experience working with incorporated clients in construction, development, and professional firms makes us a trusted guide for navigating this transition. We help you extract cash tax-efficiently, structure your holdings for income stability, and integrate your business succession into your personal retirement plan. This comprehensive approach ensures the best retirement for small business owners, where your hard-earned wealth supports both your next chapter and your family’s future.
Coordinated income and investment strategies
We design retirement plans that blend income reliability with continued growth. Through diversified investments and tax-efficient withdrawals, we ensure your money continues to work even after you stop. Whether managing RRIFs, corporate assets, or non-registered investments, we align each stream with your broader wealth plan—balancing security, flexibility, and opportunity.
Protecting your wealth through tax efficiency
Taxes can quietly erode even the best-laid plans. We integrate tax-smart strategies into every phase of retirement—income splitting, timing withdrawals, and optimizing capital gains. Our detailed, proactive approach ensures that you’re making the most of each opportunity to preserve your wealth. By coordinating retirement income with estate and business plans, we help you keep more of your money where it belongs: with you and your family.