NO PRODUCTS TO SELL.
NO COMMISSIONS TO EARN.
Just a clear picture of what your money can do for the life you want.
And the financial planning to help you make the most of it.
FEATURED IN:
Retirement has a way of turning one question, "Can I retire?" into ten.
How much can I spend?
When should I take CPP
and OAS?
What will happen to the tax?
Which accounts should I draw from first?
What should I do with the property or corporate assets?
How much investment risk do I need to take?
Can I help my family and still have enough for myself?
How much do I need to invest and save to get there?
Where should my retirement income come from?
When can I stop working?
And then there is the question underneath all the others, the one most likely to keep you up at night:
Have I missed anything?
Some decisions are too important to get wrong.
The choices you make around retirement can shape when you stop working, how much you can spend, what you can do for your family and what the next thirty years look like.
Some are difficult to undo. Others can cost you for years without you realizing it.
There is too much at stake to get this mostly right.
So how do you get it right?
Retirement decisions cannot be made one at a time.
Tax affects income. Income affects investments. Investments affect what you can spend. One decision can change what makes sense somewhere else.
You have to work through the decisions while keeping the whole retirement in view.
Bring it all together.
That is what the Retirement Plan is designed to do.
We bring the important parts of your financial life together and look at them as a whole.
Sometimes we find something important that has been missed. Sometimes we find a better way. Sometimes we test what you were already planning and confirm that it works.
The goal is to know which decisions matter, understand how they affect one another and build one retirement plan around them.
Retirement planning is our job.
Dixon Davis has been guiding people through retirement since 1988.
As a fee-only planning firm, we have carved financial planning out as its own job. We are not trying to make the plan fit an investment product or another pre-decided solution.
Today, Mark Lotocky, CPA, CFP, leads that work, combining accounting and financial-planning knowledge with extensive training in coaching, human behaviour and the heuristics that shape how people make decisions.
The real expertise is knowing how to apply all of that to the decisions in front of you.
SINCE 1988
Guiding people through retirement.
THOUSANDS OF PLANS
Experience built through real client decisions.
FEE-ONLY
Planning comes first. Full transparency. No commissions.
CPA + CFP
Accounting and financial-planning knowledge together.
PROUD MEMBER OF THESE ASSOCIATIONS:
Dixon Davis was ranked Best Financial Planning Service Firm 2026 by Financial Services Review
Bring us the decisions in front of you.
If you are here, you don't need another product or another opinion in isolation. You probably don’t need another book, news article or piece of AI advice giving you another general rule of thumb either.
You need someone to look at the whole retirement, work through the trade-offs and help you decide what actually makes sense.
That is what Dixon Davis retirement planning is for.
It's not about your age.
It's about the decisions in front of you.
5 - 10 YEARS OUT
Approaching
Retirement is still a little way off, but the decisions are fast becoming real.
You are starting to ask when you can stop working, what you can spend and what needs to happen before you get there.
WITHIN A YEAR OR TWO
At the threshold
You are ready to retire, or very close, and the decisions cannot stay theoretical much longer.
Income, tax, CPP and OAS, investments and the timing of everything need to come together.
ALREADY RETIRED
Living it
You are already retired, and the questions have changed.
How much are you actually spending? How much can you give while you are alive? What should happen to the estate? What needs to be simplified or passed on?
Not for everyone. On purpose.
We're focused on retirement.
If you want objective financial planning but retirement is still 10+ years away, our new project, Otherwise (coming soon), is probably the better fit.
If you are looking for someone to sell investments, manage a portfolio or give you a quick answer in isolation, we are probably not the right fit.
If you want the important retirement decisions brought together and thought through properly, we are probably the perfect fit.
From questions to a plan.
01 · START WITH A CONVERSATION
We start with a virtual introductory call to understand what you are trying to figure out and whether we are the right fit.
02 · BUILD THE RETIREMENT PLAN
We bring the pieces together, explore what is possible, work through the decisions and turn them into a specific set of actions.
03 · DECIDE WHAT COMES NEXT
Keep the planning relationship going through the Living Plan, or take the Retirement Plan and manage what comes next yourself.
Good planning should change something.
Maybe you can retire sooner than you thought. Maybe you can spend more, help your family or use more of what you have built.
Maybe there is a better tax, income or investment decision. And sometimes the value is finding out that what you are already doing is exactly right.
The point is to make better decisions with what you have.
TESTIMONIALS
What that looks like in real life.
Every retirement is different, but good planning should leave you with clearer decisions, a better understanding of what is possible and a plan you can actually use.
SPENDING AND GIFTING THOUGHOUT RETIREMENT
"Mark has been working with me for a few years now to help with income planning for retirement. The plan has helped me navigate a period where I have different streams of income each year. I wish I had the advice from a fee only financial planner sooner. So I gifted financial planning services from Mark to my adult kids and their partners. One of the best investments I have made."
Jean · Professor · Victoria
