Owen Winkelmolen

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Verified Member of FPAC
Mortgage Licensed
Insurance Licensed
Owen Winkelmolen

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Owen is an Advice-Only Planner, a CFP, and the founder of At PlanEasy we provide fee-only & advice-only retirement planning that is tailored to your specific situation. If you are within 5-years of retirement then you need a retirement plan to help you make the most of retirement. Do you expect to be… Retiring with more than $500,000? Or retiring with less than $500,000? When you’re “retiring with less” your retirement plan needs to be different. The problem with traditional retirement advice is that it’s tailored to retirees with $1,000,000+. But when you are retiring with less than $500,000 in financial assets your retirement plan needs to be different. Your retirement plan needs to incorporate Canada Pension Plan (CPP), Old Age Security (OAS), and most importantly the Guaranteed Income Supplement (GIS). The combination of these three retirement pensions can be worth $20,000 per year or more and GIS alone can be worth over $10,000 per year but comes with steep clawback rates of 50% to 75%. Even a small mistake can cost you thousands of dollars in GIS benefits in the future. When you’re “retiring with more” you need a retirement plan that helps you get the most out of retirement. When you have financial assets of $500,000+ you need a plan that helps maximize retirement spending, minimize tax, and determine when to draw from different income sources. You need a retirement plan with different spending phases. You need a retirement plan that helps minimize income tax by intelligently planning your retirement decumulation from various income sources. You need a retirement plan that helps you decide when to start Canada Pension Plan (CPP) and Old Age Security (OAS). You need a retirement plan with clear spending “guardrails” that helps you spend more in the early years but avoid running out of money in the later years. If you're 5-years from retirement then you need a retirement plan. Visit to see if we're a good fit.


Financial Planning
Insurance Planning
Investment Management
Retirement Income Planning
Tax Planning


CFP (Canada)

Compensation Models

Fee Only - Retainer Based
Fee Only - Flat Fee/Project Based

Professional Associations

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Assets Under Management

Practice Size

2 to 5

Investment License

Provinces Licensed (Investment)

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