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Independent Financial Planning · Calgary, AB

Retirement planning done right — for Calgarians who can't afford to guess

Meridian Wealth Planning is an independent, fee-based practice helping clients aged 45–65 build clear, stress-tested retirement plans — with no product bias and no hidden commissions.

18+
Years Practice
$140M+
Assets Guided
CFP® · CIM®
Credentials
✦ Free Tool
Your Retirement Readiness Score
Answer 6 questions. Get a personalized score across 5 dimensions — in under 3 minutes.
Savings Progress & Timeline Gap Analysis
Pension & Income Security Assessment
Investment Strategy Alignment Score
Plan Clarity Rating + Specific Next Steps
MW
18
Yrs Independent
CFP®
CIM®
CIRO Registered
Fee-Only
Calgary, AB

Margaret Wilson, CFP® CIM®

I started Meridian Wealth Planning in 2006 after 8 years at a bank wealth management desk — where I watched too many clients receive advice shaped by product quotas rather than their actual needs.

As an independent, I work on a fee-only basis. I don't earn commissions. My income comes from you — which means my recommendations come from your situation, not a product shelf.

I specialize in retirement planning for Calgarians aged 45–65, particularly those navigating the transition from accumulation to drawdown — where the decisions get harder and the mistakes get more expensive.

📋
Comprehensive Retirement Planning
Full income projection, tax strategy, CPP/OAS optimization, drawdown sequencing.
💼
Investment Management
Portfolio construction aligned to your retirement timeline, risk profile, and income needs.
🏛️
Estate & Transition Planning
Beneficiary review, estate coordination, and tax-efficient wealth transfer strategies.

Find out where you actually stand — before it's too late to adjust

Most Calgarians approaching retirement significantly overestimate how prepared they are — until they run the numbers. This assessment gives you an honest, scored picture across 5 dimensions of retirement readiness in under 3 minutes.

📊
Scored Across 5 Dimensions
Savings, timeline, income security, investment alignment, and plan clarity — each scored independently so you know exactly where the gaps are.
🎯
Personalized to Your Situation
Results and recommendations adjust based on your specific answers — not generic advice for the average Canadian.
🔒
Private & No Obligation
Your results are shared only with you and Meridian. No spam, no pressure, no obligation to book anything.
meridianwealthplanning.ca/readiness
62
/ 100
On Track — 3 Areas Need Attention
Savings Progress57
Time Horizon75
Income Security28
Investment Align62
Plan Clarity48
Take the Real Assessment ↓
Meridian Wealth Planning
Your Retirement Readiness Assessment
Personalized results in under 3 minutes. No obligation.

Three clients. Three different situations. One tool that prepares every conversation.

These are composite profiles illustrating how the Retirement Readiness Assessment works across different client situations — and what the advisor receives before each discovery call.

Names and details are illustrative examples. Not based on specific individuals.

24
/100
Immediate Action Needed
Marco D., 52
Self-employed contractor · 15+ years · Calgary, AB
What the Assessment Found
No pension of any kind — 100% self-funded retirement
Under $100K saved at age 52 with retirement in 10–15 years
Income varies — no consistent contribution strategy
"No clear strategy" — investment set years ago, not reviewed
Primary fear: running out of money in retirement
Advisor Brief — Received Before Call
"High-urgency prospect. No pension, low savings relative to age, no active investment strategy. Primary fear aligns directly with his actual risk. Open the call acknowledging the income volatility problem — he knows the gap is real. Longevity planning and catch-up RRSP structure should anchor the conversation."
5-Dimension Scores
Savings Progress
10
Time Horizon
58
Income Security
18
Invest. Alignment
20
Plan Clarity
14
41
/100
Gaps to Address
Sandra P., 61
Healthcare administrator · Retiring in 3–4 years · Calgary, AB
What the Assessment Found
Retirement within 5 years — critical window for strategy changes
$300K–$600K saved but defined contribution pension only
Conservative investment approach — likely under-growing assets
Primary fear: market volatility wiping out savings near retirement
Sequence-of-returns risk unaddressed with current portfolio
Advisor Brief — Received Before Call
"Moderate urgency. The anxiety is real and valid — DC pension plus conservative portfolio near retirement is a classic sequence-of-returns risk situation. She doesn't need aggressive growth; she needs a drawdown-ready structure. Lead with risk protection, not returns. Validate her concern before offering solutions."
5-Dimension Scores
Savings Progress
48
Time Horizon
30
Income Security
54
Invest. Alignment
38
Plan Clarity
35
78
/100
Well Positioned
James & Carol T., 57/55
Engineer (DB pension) & teacher (DB pension) · Retiring in 6–10 years
What the Assessment Found
Two defined benefit pensions — strong income floor at retirement
$600K–$1M in additional savings — well ahead of cohort
Growth-focused portfolio appropriate for 6–10 year horizon
Primary concern: tax burden in retirement — valid with dual pensions + RRSP
Estate planning and RRIF drawdown strategy not yet addressed
Advisor Brief — Received Before Call
"Low urgency financially, high-value conversation. Two DB pensions plus significant RRSP savings means the retirement income picture is strong — but the tax exposure at RRIF conversion will be significant. Lead with estate planning and tax optimization. They don't need saving; they need sophisticated management."
5-Dimension Scores
Savings Progress
82
Time Horizon
75
Income Security
90
Invest. Alignment
78
Plan Clarity
66

From first conversation to fully structured retirement plan

01
📋
Readiness Assessment
Start with the free online assessment. You'll receive a scored readiness report across 5 dimensions before we speak — and so will I, which means our first conversation is a consultation, not a cold introduction.
02
🤝
Discovery Call
A 30-minute call to discuss your assessment results, understand your situation in depth, and confirm whether Meridian is the right fit. No cost, no obligation. I'll tell you honestly if there's a better option for your needs.
03
🗺️
Your Retirement Plan
A comprehensive, written retirement plan covering income projection, tax strategy, CPP/OAS optimization, drawdown sequencing, and estate considerations — built for your specific situation, not a template.
Start Here — It's Free

Ready to find out where you actually stand?

Take the 3-minute Retirement Readiness Assessment and receive a personalized score — before you speak with anyone.

Check My Retirement Readiness →
✓ No obligation
✓ No spam
✓ CIRO registered
✓ Fee-only advice