
Fair Advice
Complete and Unbiased
Avoid damaging markets, fees, uncertainty and lost opportunity
with Kevin Markin, RRC
Independent Financial Planner
Registered Retirement Consultant
Income Planning Specialist
What I do
I help people near and in retirement understand their complete financial picture, avoid harm and stay on course so they can focus on what’s important to them.
Why I’m different
I differentiate myself from typical advisors at banks or other investment companies. My interests are much better aligned with yours.
I specialize in the “retirement” years
While some advisors try to be all things to all people, I am focused on the issues important to people near and in “retirement”. There are different needs and risks, and it is important to work with someone dedicated managing them.
I have utmost integrity and professionalism
I am independent, working only for you! I can offer truly unbiased and comprehensive advice without restriction or pressure to make certain recommendations. I focus on strategies that are proven effective by the best research evidence.
I provide holistic planning
Many advisors are concerned only with your investments. I include income, tax, legacy and goals in the planning. What’s more, I use a structured process with tools and techniques that are best practice.
I provide monitoring and course corrections
I provide monitoring and course corrections. A plan without adjustment to respond to personal, market or economic changes can go off course very quickly. My service includes regularly re-examining your progress and recommending any changes needed to ensure your continued success.
My fees are clear and fair
My fees are transparent, with nothing hidden that might conflict with your best interest. I charge a simple flat dollar fee. Most advisors receive a percentage of your account value, so their interests are not as well-aligned with yours in “retirement” when you are taking income.
Avoid having your ability to spend or save reduced up to 70% over your retirement by investment fees!
I work in-person or virtually
I am based in Victoria, and can meet with people in-person on the south island. I am also able to provide my service to people around BC virtually due to my use of best-in-class systems and software.

Reveal Answers To The Big Questions
Do I have enough to do what I want?
How can I create a pay cheque for life to ensure I never run out of money?
How do I move from a savings habit to a mindset of comfort to enjoy what I’ve built?
Are my investments suitable for where I’m at?
How can I protect my intentions for giving and my estate?
And many more …
Role and Value of
Financial Planning
In Retirement
The interplay of all pieces of your financial and non-financial life means looking at these in a holistic way will result in the best decisions.
Real financial planning in retirement involves so much more than your investments!
I can assist you in developing feasible lifestyle objectives and retiring to something, not just from something.
We can create a clear and sustainable plan for your income, giving, estate, investments, tax, etc., and then manage it with adjustments over time to ensure you are never too far off course.
The Just Retirement service starts with and maintains a strong focus on your vision (your wants and whys), ensuring it informs the many other decisions important to your success.
Avoid Damaging Losses From
New Market Risks
The graph shows a relatively recent example. The time just before the bursting of the technology stock (“Dot.com”) bubble in early 2000 turned out to be one of the worst times to retire in the last century!
Wants and needs, financial conditions and sources of financial risk change as you near and move through phases of “retirement” and are taking distributions.
The Retirement Red Zone
A prolonged down or mediocre market in the years just prior to or after retiring will greatly reduce how long investments will last unless large cuts in spending are made. This is known as sequence of returns risk.
It’s important work with someone you can trust that is specialized to help you avoid this risk.
There are a number of ways to reduce sequence of returns risk.
We can determine the best for you based on your preferences.
Avoid Damaging Investment Costs
“Costs make the difference between investment success and investment failure”
“We get precisely
what we don’t pay for”
John C. Bogle
The Little Book of Common Sense Investing
The Only Way To Guarantee Your Fair Share Of Stock Market Returns
10Th Anniversary Edition, 2017, p.42
Investment fees
in retirement can limit spending or saving
by 25-75%!
The amount of the portfolio lost to investment fees depends on future returns, the fee paid and the number of years.
I can show you how to pay much less, and increase your likelihood of getting better returns.
This means the cost of an initial financial plan can be partially or fully offset by investment fee and tax savings in the first year, depending on how your finances are currently managed.
With ongoing monitoring and course corrections, the net savings would be greater in years two and beyond. For example, saving $1,000 a year is achievable in many cases. This could mean $10,000 not wasted over a ten year period.
Custom-Fit Approach
Since all situations are unique, I use a custom-fit approach, taking the time to first understand the journey that’s brought you to this point. Then, we’ll design, implement and manage a holistic plan with lifestyle, income, investment, tax, and legacy strategies tailored to your vision, ensuring you can enjoy your retirement with elevated clarity, confidence and financial outcomes.
“ No-one is doing this stuff ! ”
Prospective Client
“Actually, there is a small and growing number...
But it’s not the norm!”
Kevin Markin, RRC
Owner | Financial Planner
Just Retirement Strategies
My Commitment to You
When you partner with me at Just Retirement Strategies, I’ll work closely with you every step of the way, adhering integrity, high professional standards, and a commitment to excellence.
My goal is to empower you to make informed decisions that will secure your vision so you can focus on the important things in life with more with peace of mind!
Embrace the Future with Confidence
Contact me today to schedule a free consultation to see how my service might help you.
If we agree it’s a good fit, join the small group of clients I have capacity to serve.