• Age: 60 | Marital Status: Single
• Employment Status: Retiring professor and filmmaker
• Dependants: Two adult children (in their 20's)
• Citizenship: Dual (Canada & United Kingdom)
• Net worth: $3.2 million
• Income: $120K rental income
• Annual living expenses: $150K

• Client is preparing to retire and wishes to balance time between Canada and Europe, spending approximately six months abroad each year while maintaining Canadian tax residency.
• She desires an active, travel-oriented lifestyle and sought assurance that her financial position could support this plan.
• She provides some ongoing support to two adult children but does not prioritize leaving a legacy at the expense of her own lifestyle.
• The client owns two properties — a primary residence with rental potential and a separate investment property with a long-term tenant.
• She wants guidance on how to manage or restructure her real estate holdings to best support flexibility and cash flow in retirement.

• Is the client financially secure enough to retire while maintaining her desired bi-country lifestyle?
• What is the most financially advantageous strategy for her real estate holdings?
• Should she sell, rent, or downsize her primary residence, and how would each choice affect her long-term financial independence?
• How should she optimize income sources, withdrawals, and contributions across RRSP, TFSA, and non-registered accounts?
• What are the tax implications and lifestyle trade-offs of extended time abroad?

• Authentic developed comprehensive lifetime financial projections capturing all expected cash flows, retirement income, and major lifestyle goals, including overlooked late-retirement and healthcare costs.
• We applied sound assumptions for longevity, inflation, investment returns, and future rental income to create a robust and realistic foundation.
• Authentic considered advanced retirement strategies such as CPP/OAS deferral, optimal withdrawal sequencing across account types, and maximizing RRSP and TFSA contribution opportunities.
• We modeled four primary real estate strategy scenarios to evaluate financial and lifestyle outcomes:

1. Sell the primary residence and rent accommodations as needed
2. Downsize primary residence and purchase a condominium for personal use
3. Sell the rental property while retaining the primary residence
4. Sell both properties and rent full-time as required.

• Cash Flow & Net Worth Projections
• Scenario & Sensitivity Analysis
• “What-If” Modeling for Real Estate Decisions
• Legacy & Estate Projections

• Authentic confirmed the client’s ability to sustain her lifestyle comfortably in both countries without jeopardizing long-term security.
• We provided clarity and confidence regarding the timing and structure of potential real estate sales, advising against rushed decisions in strong property markets.
• Authentic identified that maximum flexibility and wealth creation could be achieved through eventual sale or downsizing of her primary residence, with rental income serving as a supplemental buffer.
• We clarified key risk factors through visual dashboards and detailed scenario analysis, enabling informed and confident decision-making.
• We advised the client to proactively plan for late-retirement expenses and ensure foundational estate and cross-border documentation were in place.

This case illustrates how Authentic helps clients design flexible, lifestyle-driven retirement plans grounded in clear financial analysis. Through customized projections, scenario testing, and actionable insight, Authentic empowers clients to make informed choices about property, income, and cross-border living—ensuring their retirement years are both secure and fulfilling.