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.

Most people spend years focused on saving for retirement. Very few think about what happens when it is time to start liv...
06/08/2026

Most people spend years focused on saving for retirement. Very few think about what happens when it is time to start living from it.

26% of retirees have no specific approach to withdrawing from their savings. That is 1 in 4 people leaving money on the table, paying more in taxes than they need to, and drawing down their accounts without a strategy.

Getting to retirement took a plan. So does living in it.

If you are approaching retirement and have not had this conversation yet, that is exactly where we start.

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

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

If you are a business owner in your 50s, there is a good chance no one has ever walked you through what your compensatio...
06/05/2026

If you are a business owner in your 50s, there is a good chance no one has ever walked you through what your compensation structure is actually costing you long term.

Salary and dividends are not just a tax conversation.

There is no universal right answer. But there is a right answer for your business, your life stage, and where you want to be in ten years.

If this is a conversation you have been putting off, now is a good time to have it.

Book a free call here and let's talk about your situation: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA&fbclid=IwY2xjawSPs0xleHRuA2FlbQIxMABicmlkETFqZmVSR0FVSkdoZjNsamt4c3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHogV1CAL_UvAPECZQIi5ChcDdsLTmCB5k8PA57m1VK2eTY-xJLBVSLBvNGX7_aem_XujJwvcI8MUkZ4hADUwQGg

Most people don't realize what waiting actually costs them, and it's not just dollars.It's the option to retire on your ...
06/04/2026

Most people don't realize what waiting actually costs them, and it's not just dollars.

It's the option to retire on your terms. To pivot when life asks you to. To stop carrying the quiet weight of financial uncertainty.

The good news is that starting now, wherever "now" finds you, still makes a meaningful difference. The window hasn't closed.

If you've been meaning to get your financial plan in order, this is your sign to make it the next thing you do.

DM me or visit the link in my bio to book a conversation.

Having investments and having a financial plan are not the same thing.One is a collection of accounts. The other is a ro...
06/03/2026

Having investments and having a financial plan are not the same thing.

One is a collection of accounts. The other is a roadmap with your goals, your timeline, and your life built into it.

86% of people with a written financial plan feel confident about their financial future. That confidence comes from clarity, not luck.

If you've been saving without that clarity, it might be time to change that.

Book a complimentary consultation through the link in my bio. Let's get you into that 86%.

06/01/2026

Retirement planning isn't about retirement.

It's about creating a life today that still allows you to retire comfortably tomorrow.

You don't have to stop travelling.
You don't have to stop enjoying your money.
You don't have to put your life on hold.

The key is being intentional.

A strong plan helps you balance the life you want now, the life you want in 10 years, and the life you want when you're ready to slow down.

And it shouldn't be a set-it-and-forget-it exercise.

As your life changes, your plan should too.

If it's been years since you've reviewed your retirement plan, now is a good time to make sure it still fits your goals.

Send me a DM or book a call through the link in my bio.

05/25/2026

A lot of people delay reaching out to a financial planner because they assume they’ll be judged first.

For spending too much.
For starting too late.
For not knowing enough.
For feeling overwhelmed by it all.

But financial planning should never feel like a test you’re trying to pass.

The most meaningful conversations are usually the honest ones. The ones where people can say, “I know I need to get organized, I just don’t know where to start.”

That’s where good planning begins.

Not with perfection.
Not with pressure.
Just with a conversation about what matters to you and how to build a plan around it.

Because financial advice should feel clear, collaborative, and grounded in real life.

Book a free, judgement free call here: https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Retirement planning is not about stopping work.It is about having the freedom to decide how you want to spend your time....
05/19/2026

Retirement planning is not about stopping work.

It is about having the freedom to decide how you want to spend your time.

For some people, that means stepping away from their business or career entirely.

For others, it means working on their own terms, consulting selectively, travelling more, spending time with family, or pursuing the goals they put on hold for years.

A well-designed retirement plan goes far beyond investment returns.

It helps you:

• Create reliable income that supports your lifestyle
• Reduce tax on your withdrawals over time
• Build flexibility into your plan
• Prepare for life transitions with confidence

Retirement is not just about reaching a number.

It is about creating options.

If you want a retirement plan that gives you clarity, flexibility, and control, book a meeting with me and I can help! https://action.sunlife.ca/AppointmentRendezvous/s/?AID=zoy9q9JZTxnaJeWcG%2FgFDin3g49iWglkoo4tY0Yfpf4%3D&language=en_CA

Retirement Planning | Retirement Income | Tax Planning | Financial Freedom | Wealth Management | Estate Planning | Pre-Retirement | Retirement Strategy | Financial Advisor | Investment Planning

Your business may be successful.That does not mean your personal wealth is.If most of your net worth is tied to your cor...
05/15/2026

Your business may be successful.
That does not mean your personal wealth is.

If most of your net worth is tied to your corporation, you do not have a complete plan yet.

Contact me to build a strategy that moves wealth beyond your business.

In your 50s, the salary vs dividend question is no longer just about tax savings.It is about how everything connects.You...
05/11/2026

In your 50s, the salary vs dividend question is no longer just about tax savings.

It is about how everything connects.

Your income decisions now impact:
Retirement income
Tax efficiency over time
CPP and future benefits
Investment structure
And how your wealth is eventually drawn down

This is where generic advice falls short.

The right answer is not salary or dividends.
It is a coordinated strategy based on your next phase.

If your income strategy has not been revisited in the last few years, there is a good chance it is no longer optimized.

Contact me to align your compensation strategy with your long term plan.

Most people think they have a financial plan.In reality, they have a collection of accounts, investments, and opinions t...
05/08/2026

Most people think they have a financial plan.

In reality, they have a collection of accounts, investments, and opinions that are not fully connected.

And that gap matters more than most realize.

Because real financial planning is not about picking the right fund or chasing performance.

It is about coordination.

How your income flows.
How it is taxed.
How it is invested.
How it will support your lifestyle.
And how it will eventually transfer to the next generation.

When these pieces are not working together, inefficiencies compound quietly over time.

Higher taxes.
Missed opportunities.
Unnecessary risk.
Unclear outcomes.

The difference is not always visible right away.
But over time, it is significant.

That is why real planning is not transactional.
It is intentional, structured, and ongoing.

If you have built meaningful income or wealth, you deserve a strategy that reflects that.

Contact me to create a more coordinated, thoughtful approach to your financial life.

Address

5420 N Service Road Unit #401
Burlington, ON
L7L6C7

Opening Hours

Monday 9am - 7pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 7pm

Telephone

+19058279811

Website

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