ESTATE PLANNING

Colin Ritchie

Lawyer and Financial Planner,

Colin S. Ritchie

About Colin

Colin Ritchie, LLB, CFP, CLU, TEP, and FMA, is a Vancouver-based fee-for-service lawyer and financial planner who does not sell investment or insurance, just advice. He graduated from the University of Victoria's Law Co-op programme in 1996 and spent just under five years in private practice as a lawyer before transitioning into financial planning and successfully completing his Certified Financial Planning (CFP) designation. Mr. Ritchie has worked in Sun Life's Estate and Financial Planning Services Department, working his way up to the role as a Director of Financial Planning. While at Sun Life, he also acquired the CLU (Certified Life Underwriter) and FMA (Financial Management Advisor) designations.

Colin's Videos

Covid-19 has forced many of us to take a long, hard second look at our finances and investments. Listen to this presentation in order to get some insight on ways you can potentially minimize the financial impact of this financial tsunami and best position yourself for its aftermath. Colin Ritchie will cover capital gains planning, use of trusts, and what to do about your mortgage.
This presentation integrates legal and financial planning in the hopes of providing attendees with some tools to not only minimize taxes and fees at death, but also the confusion, conflict and unintended results that can arise without proper planning. Learn about why testamentary trusts can still be a vital part of your estate plan and the difference between a good Will and a great one.


The Federal Government has created a surprising number of different registered savings plans to help Canadians finance their futures. This informal and engaging presentation will summarize how Registered Savings Plans ("RRSPs"), Registered Retirement Income Funds ("RRIFs") Tax Free Savings Accounts ("TFSAs"), Registered Educational Savings Plans ("RESPs") and Registered Disability Savings Plans ("RDSPs") work, but more importantly, it will also help you make the most out of these different opportunities - as they say, the devil is in the details. In addition to discussing most tax-efficient ways to fund these different programs and which to prioritize in different circumstances, this presentation will also focus on when and how to best withdraw money, particularly from RRSPs and RRIFs. Although registered programs can help us accumulate large sums of money for the future, this money goes a lot further if we can manage and reduce the tax bill that arises on the other end. Ultimately, it's not the size of your accounts that matter but how much you have left to spend after the tax man has come and gone.


Scrimping, saving, and wise investment choices may have allowed you to accumulate a nice nest egg for retirement, but what do you do when it's finally time to start spending it? This relaxed and informal presentation will discuss steps you can take to manage your retirement dollars as efficiently as possible in order to make the most out of your money while minimizing what can go wrong. Topics include realistic retirement budgeting, when and how to best use and withdraw from your registered plans, when to start your CPP pension, and avoiding the OAS Clawback.