Author name: Brian Poncelet

Brian Poncelet, CFP is a Certified Financial Planner and founder of Plan Your Future Inc., serving Mississauga and the Greater Toronto Area. He specializes in corporate tax efficiency, decumulation planning, and independent retirement roadmaps for business owners and pre-retirees.

Retirement Planning Consultation Mississauga: What to Bring to Your First Meeting

/ Retirement Planning /

When preparing for your financial future, walking into a retirement planning consultation in Mississauga to bring a checklist in hand can dramatically change the trajectory of your wealth. Led by Certified Financial Planner Brian Poncelet, Plan Your Future Inc. helps busy professionals, business owners, and families navigate this transition. Before diving into your portfolio, it

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Independent Investment Advisor in Mississauga, Ontario: Custom Wealth Strategies

/ Investment Advisor /

When you have spent decades building a successful business or advancing a demanding professional career in the Greater Toronto Area, your financial life demands more than cookie-cutter advice. Led by Certified Financial Planner Brian Poncelet, Plan Your Future Inc. acts as your independent investment advisor in Mississauga, Ontario. We cut through industry noise to design

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Fee-Only vs. Commission Financial Advisor: Which Is Better for Mississauga Investors?

/ Financial Advisor /

If you have ever sat across from a bank advisor and wondered how they actually get paid, you are not alone. When weighing a fee only vs commission financial advisor, Mississauga professionals and business owners are deciding who their advisor really works for. Before handing over your savings, it helps to understand how different compensation

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Fee-Only Financial Advisor in Mississauga, Ontario: The Ultimate Wealth Guide

/ Financial Advisor /

If you are a busy professional, executive, or business owner in Mississauga, managing financial decisions can quickly feel overwhelming. Between shifting tax rules and long-term retirement goals, it is easy to feel like you are guessing. Plan Your Future Inc., led by Certified Financial Planner Brian Poncelet, cuts through that noise. Using our proprietary Wealth

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How Business Owners in Ontario Can Use Their Corporation to Fund Retirement

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If you own an incorporated business in Ontario, you have access to retirement planning tools that most Canadians will never see. You also have complications that most Canadians will never face. The same structure that lets you defer tax, accumulate wealth efficiently, and sell your business in a way that preserves most of what you

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If You’re 5 to 10 Years From Retirement, You Need to Read This

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Retirement doesn’t always go according to plan. Data from a Manulife longevity study found that more than half of early retirees in Canada (56%) were pushed into retirement involuntarily, due to job loss, health issues, or other unexpected events. If you’re within 5 to 10 years of your planned retirement date, that number should get

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Critical Illness Insurance vs. Long-Term Care Insurance: What Protects You Better?

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This is one of the most commonly confused comparisons in Canadian financial planning, and the confusion is understandable. Both products deal with health, both are positioned as protection against medical costs, and both get lumped together as “living benefits.” But they protect against completely different risks, at completely different stages of life, in completely different

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Retirement Is Changing: 5 Shifts Every Canadian Should Understand

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Retirement today looks very different from what it did even a few decades ago. With longer lifespans and evolving mindsets, the old “work until you stop” model no longer fits most Canadians. Here are five shifts happening in retirement planning right now, and why understanding them can lead to a more fulfilling and financially sound

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6 Critical Moves Every Retiree Should Make in 2026

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Retirement success in 2026 and beyond comes down to proactive steps that keep your plan on track. Here are six key actions that separate confident retirees from those who struggle with uncertainty, higher taxes, or missed opportunities. 1. Know Exactly How Much to Withdraw from Each Account Many people enter retirement without a clear picture

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Should You Pay Off Your Mortgage Before Retiring? The Math Might Surprise You

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This is one of the most common questions Canadians ask in the five to ten years before retirement, and the answer is almost never the simple one people expect. The emotional pull toward paying off your mortgage before you stop working is real and understandable. The idea of entering retirement with no debt and a

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