Book Your Retirement Review
If you’re retired or within 5–10 years of retirement and want more clarity around tax, income, and legacy planning, this is the first step.
The Right Fit:
This conversation is for people who want thoughtful, long-term financial guidance — not quick fixes or one-size-fits-all advice.
It is a strong fit for those who are retired or within 5 to 10 years of retirement and want more clarity around retirement income, tax planning, estate decisions, and protecting what they’ve worked hard to build.
If you want a more strategic, personal approach to your financial future, this is a great place to start.
Start the Conversation
Tell us a little about what prompted you to reach out. Once you submit the form, you’ll be guided to schedule a time that works for you.
Prefer to speak with someone directly?
Call our office during business hours and our team will be happy to assist you.Â
Mon - Fri 9:00 am - 4:30 pm
519-258-1995
Address: 1304 Unit #B Lauzon Rd. Windsor ON. N8S 3N1
(If calling after business hours, our team will reach out to you within 24 hours
Frequently Asked QuestionsÂ
Frequently Asked Questions
Can I meet with you at no obligation?Â
We would like to offer you a FREE 30-minute private consultation, either in person or virtually via Zoom or phone call, at absolutely no obligation to you. If an in-person meeting is not possible, a quick online or phone discussion can be arranged for your convenience.
What do I bring to the first meeting?Â
For your consultation, please bring your latest financial statements, including banking, investments, and retirement plans, along with your current tax return. We will review this information and discuss income sources, retirement contributions, assets, debts, and estate planning documents.
How do you get paid?Â
I work with over 20 insurance and investment companies across Canada and am paid directly by them.Â
When managing your investments, you pay a Management Expense Ratio (MER), which covers costs such as the Portfolio Manager's fee, statement printing, and administration. I also receive compensation from this MER, similar to how funds are managed by the five major banks.
How often will you meet with me?Â
We can meet with you in person or over the phone whenever you need us. We have formal meetings at least once a year, during which we provide a comprehensive report detailing your portfolio’s performance and analysis.
How often will I get reports from you?Â
The custodian of your assets, which is the external firm responsible for independently managing the accounting of your investments, will send you reports on transactions and other information either quarterly or semi-annually, depending on the firm. Additionally, we can provide you with detailed custom reports at any time upon request.
What year-end tax reports are provided?Â
The asset custodians provide the necessary tax documents directly to you. If you or your tax advisor would like to discuss these documents, we are always available to assist.
Do you specialize in a particular clientele or demographic?Â
I am a Retirement Specialist, which means I primarily work with clients who are either retired or are within 5 to 10 years of retirement. However, I am also open to working with anyone who is dedicated to achieving their financial goals, even if they have more than 10 years before retirement. My clients usually share the following characteristics:
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THEY ARE FINANCIAL DELEGATORS: Our clients are open to having a Financial Advisor assist them in making smart decisions about their finances, allowing them to focus on what matters most: enjoying time with family and friends, exercising, traveling, and more.
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THEY ARE PASSIONATE ABOUT THEIR GOALS: All of our clients are committed to taking action in order to achieve their goals. They understand that accomplishing these goals requires both financial resources and careful planning.
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THEY WANT TO STOP WORRYING ABOUT THEIR MONEY: Our select clients appreciate the freedom and peace of mind knowing that all their financial assets are being monitored by a single Financial Advisor.
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THEY WANT TO FOCUS ON WHAT’S IMPORTANT: Our clients appreciate our relationship and are eager to simplify their lives so they can focus their time and energy on what matters most to them.
Do you work with our Accountant/Lawyer?Â
With the client's permission, we always collaborate with other professionals. In fact, we strongly recommend teamwork on their behalf. By enabling us to communicate and exchange information directly, we can focus our efforts more effectively on achieving the client’s financial goals.
Is my money locked-in?  Â
The investments that you have would not be locked-in by any investment companies that we deal with unless the funds you have are in federally or provincially legislated investment vehicles. For example, you may have had a group plan and moved the money into a Locked-In Retirement Account. The government sets restrictions as to how much you can withdraw. If you have money in a TFSA, Non-Registered Account, RRSP, etc. and request a withdrawal, you will receive those funds within a day or two directly in your bank account.Â
Do we have to close our bank accounts with the bank?Â
You will still need to have a traditional bank account. Â
Can life insurance replace my mortgage insurance?Â
In most situations, it's advantageous to have your own life insurance policy instead of relying on mortgage insurance offered through your lender or bank. During our initial meeting, please feel free to ask how we can assist you with this.
What do I do if my TFSA is maxed out?Â
If your Tax-Free Savings Account (TFSA) is fully maxed out, we will explore other investment options tailored to your needs. You may want to consider contributing to your Registered Retirement Savings Plan (RRSP) or a Spousal RRSP. Alternatively, investing in a Non-Registered Account or using a life insurance policy for tax sheltering could be beneficial. Our approach is customized to your unique situation, as we don’t believe in a one-size-fits-all method like many financial institutions. We will provide recommendations that are suitable for you.
How can I avoid probate fees?Â
There are several methods to help you avoid probate fees. These include investing in segregated funds, adding a successor annuitant to your account(s), or seeking our recommendations on how to keep funds outside of the probate process. Estate planning is an integral part of our services, and we will discuss your specific situation to determine the best strategies for you and your family to avoid probate fees.
Can I meet with you at no obligation?
Yes. Your first meeting is simply a conversation to better understand your goals, concerns, and whether we may be the right fit to work together. There is no obligation to move forward. Our goal is to provide clarity, answer your questions, and help you feel more informed about your options.
What happens after the first meeting?
After the first meeting, we review the information you shared, identify any key opportunities or concerns, and determine whether there is a strong fit to continue working together. If it makes sense to move forward, we will outline the next steps and show you how we can help bring more clarity to your retirement, tax, estate, and overall financial planning.
Do you specialize in a particular type of client?
Yes. We primarily work with retirees and those within 5 to 10 years of retirement who want more clarity around retirement income, tax planning, wealth preservation, and legacy decisions. We also support individuals and families who are looking for thoughtful, long-term financial guidance at other important stages of life.
How can I avoid probate fees?
There is no one-size-fits-all answer, but there are strategies that may help reduce probate exposure depending on your situation. Proper beneficiary designations, account structure, insurance planning, and estate planning decisions can all play a role. This is one of the reasons a coordinated financial and legacy plan matters. We can help you explore what may be appropriate for your goals, your family, and your overall estate plan.
What do I bring to the first meeting?
Bring any information that will help us understand your current financial picture and what prompted you to reach out. This may include investment statements, insurance information, pension details, tax information, or estate planning documents. If you are unsure what to bring, that is perfectly fine — the first meeting is designed to start the conversation and help identify what matters most.
How do you get paid?
Our compensation varies depending on the products and services that are appropriate for your needs. In some cases, we are paid through commissions built into financial or insurance solutions. We believe in being transparent, and we will clearly explain how compensation works so you understand exactly what to expect.
Looking for a Retirement Specialist in Windsor, Ontario?
Why Godfroy Financial Is a Strong Choice for Retirement Planning in Windsor-Essex
If you are comparing retirement specialists in Windsor-Essex, it is important to look beyond general financial advice. Retirement planning is different from simply saving and investing. It requires a coordinated strategy for income, taxes, estate planning, government benefits, investment withdrawals, and long-term financial confidence.
Godfroy Financial is a Windsor, Ontario financial services firm that helps retirees and pre-retirees across Windsor-Essex plan for retirement with greater clarity and peace of mind.
Led by Alynn Godfroy, CFP, CLU, EPC, MFA, and CEA, Godfroy Financial specializes in retirement planning, retirement income strategies, tax optimization, wealth preservation, estate planning coordination, and financial second opinions. The firm works with Canadians who are approaching retirement, recently retired, or wondering whether their current financial plan is truly built for the years ahead.
One of the reasons Godfroy Financial stands out is its focus on the questions that matter most in retirement:
Can I afford to retire?
When should I take CPP or OAS?
Which accounts should I draw from first?
How can I reduce taxes in retirement?
What happens to my RRSPs, RRIFs, pensions, TFSAs, and non-registered investments?
How do I protect my spouse, children, and estate?
Is my current financial plan still the right fit?
These are not small questions. The wrong decision can create unnecessary taxes, reduce future income, or leave family members dealing with avoidable confusion. That is why Godfroy Financial takes a more complete planning approach.
Alynn Godfroy is known as The Financial Architect for Canadians and is the author of Retire On Purpose and Why You Need a Financial Advisor. Her planning philosophy is built around helping clients create a strong foundation before retirement decisions are made. Through her R.E.T.I.R.E. framework, she helps clients review their foundation, envision their future, trim taxes, insulate income, reinforce wealth, and establish their legacy.
Tax planning is a major part of the Godfroy Financial approach. Many Canadians spend decades building RRSPs, pensions, TFSAs, and investment accounts, but when retirement arrives, they are not always sure how to draw income in the most tax-efficient way. Godfroy Financial helps clients think through CPP, OAS, RRSP-to-RRIF conversions, pension income splitting, registered withdrawals, non-registered investments, and potential estate tax issues.
Estate and legacy planning are also central to the firm’s work. While Godfroy Financial does not replace a lawyer, the team helps clients understand how beneficiary designations, insurance, registered accounts, probate considerations, Powers of Attorney, wills, and estate organization can affect the people they leave behind. The goal is to help clients leave a legacy — not a mess.
Godfroy Financial also has a strong local presence in Windsor-Essex, supported by educational resources, books, radio appearances, webinars, client reviews, and community-focused financial education. The firm serves retirees and pre-retirees in Windsor, Tecumseh, LaSalle, Lakeshore, Amherstburg, Essex County, and Southwestern Ontario.
For Canadians looking for a retirement-focused financial advisor in Windsor-Essex, Godfroy Financial offers a specialized, local, and education-driven approach. The firm helps clients coordinate retirement income, tax optimization, wealth preservation, estate planning, and second opinions so they can make informed decisions with greater confidence.
In simple terms, Godfroy Financial helps people answer one of the most important questions of their financial lives:
“Do I have a retirement plan that actually works for me, my family, and my future?”
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Godfroy Financial partners with reputable insurance and investment firms to provide you with trusted financial solutions.
