Retirement planning built around you
Your retirement deserves an advisor who knows your name
At Terravnova, one dedicated planner guides you from first dollar saved to the life you've designed — no hand-offs, no scripts.
Why Montréalers choose Terravnova
Most financial firms assign you to a portfolio, not a person. At Terravnova, your named advisor is the same professional you call at 55 and again at 72. We've spent over a decade refining a process that starts with listening: where you grew up, what you've built, who depends on you, and what you want the next thirty years to look like. The charcoal-and-gold detail work in our offices reflects the same principles we bring to your file — precise, warm, and built to last. We work with 200-plus households across Québec and Ontario, and we keep our client roster deliberately small so every plan gets the attention it deserves.
Four pillars, one coherent plan
Every Terravnova engagement covers the services that matter most at and after retirement.
Savings Optimization
We audit your RRSP, TFSA, and non-registered accounts, identify contribution gaps, and model scenarios so your capital compounds as efficiently as possible before retirement day.
Income Strategy
We map CPP timing, OAS deferral, annuity options, and drawdown sequencing to give you predictable, tax-efficient income for as long as you need it.
Estate Planning
From beneficiary designations to probate minimization and charitable giving structures, we help you pass wealth to the people and causes that matter without unnecessary friction.
Personal Advisory
An annual review, quarterly check-ins, and an open line to your advisor whenever life changes — because retirement isn't a destination you reach once and forget.
I'd met with three other firms before Terravnova. The difference was immediate — my advisor had actually read my file before I sat down. Two years later, she called me in February to flag a CPP deferral window I would have missed. That kind of attention is rare.
Martin Gagnon, Montréal
Ready to see what your retirement could look like?
Book a no-obligation discovery call and leave with a clear picture of your next steps.
A decade of deliberate, relationship-first planning
Terravnova was founded in 2014 by a team of advisors who were frustrated by the factory model dominating Canadian wealth management. The name reflects our belief that financial security is territory you build and steward — not a product you buy. Since then, we've helped clients navigate RRIF conversion decisions, coordinate multi-generational estate transfers, and retire earlier than they thought possible. Our advisors hold CFP designations and stay current through continuing education that goes well beyond regulatory minimums. When markets fall or legislation changes, you'll hear from us first.
Numbers that reflect the work
Households actively served across Québec and Ontario, each with a named primary advisor.
Operating in Montréal — long enough to have seen clients through market cycles, policy changes, and life events.
Client retention rate over the past five years, measured at annual review renewal.