Will Your Wealth Last as Long as You Do?

WHAT YOU’LL LEARN

Part 1: Building Income That Lasts a Lifetime

The first guide tackles the core challenge: turning savings into reliable, tax-efficient retirement income.

You’ll discover:

• Sustainable withdrawal strategies adapted to Canadian investors (and why the "4% rule" isn't enough)
• How to structure RRSPs, TFSAs, and RRIFs for maximum tax efficiency
• The role of ETFs, mutual funds, and annuities in generating dependable cash flow
• How to manage sequence-of-returns risk, inflation, and market volatility
• A disciplined, fundamentals-driven investment philosophy that keeps you steady through market cycles

This isn't theory. It’s the same framework I use with clients who have substantial portfolios and multi-decade retirement horizons.

“Time in the market beats timing the market. That’s not just a saying, it’s backed by decades of evidence. The investors who do best aren’t the ones who react fastest to news. They’re the ones who stay invested through volatility and let compounding do the heavy lifting. My goal is to help you build a plan disciplined enough to stay the course.” – STEVE MCBRIDE

WHAT YOU’LL LEARN

Part 2: Protecting What You’ve Built 

The second guide shifts from income generation to wealth protection and legacy planning.

You’ll discover:

• How life, disability, and critical illness insurance protect your earning power and fund business continuity plans
• Tax strategies that can save affluent families hundreds of thousands over a lifetime (income splitting, trusts, charitable giving structures)
• Diversification and business continuity planning for families with concentrated wealth
• Estate equalization, holding companies, and tax-efficient transfer strategies
• Why integrated planning matters when coordinating investments, insurance, and estate goals

As a dual-licensed advisor, I can assess your complete financial picture and ensure every protective layer works together.

“The best financial plans aren't built on predictions about what markets will do next year. They're built on principles that have worked for decades: patience, discipline, and a focus on what businesses are actually worth. That's what allows anyone to stay steady when everyone else is reacting to headlines." – STEVE MCBRIDE

why this approach works

Fundamentals Over Forecasts

Markets reward patience, not prediction. The investment philosophy behind The Retirement Blueprint series is grounded in timeless principles: intrinsic value, margin of safety, and disciplined rebalancing.

We don't chase trends or time the market. We focus on businesses with durable competitive advantages, sustainable cash flows, and the ability to compound wealth across decades. My role is to help you stay focused on what truly matters while markets fluctuate around us.

Integrated Planning Through Dual Licensing

One of the distinguishing features of my practice is the ability to integrate investment and insurance solutions seamlessly within a single plan.

As a dual-licensed advisor holding both investment and insurance licenses, I can assess your financial situation holistically, recommend solutions across both domains, and ensure every component of your plan works together toward your long-term goals. This integrated approach is invaluable for high-net-worth families who want comprehensive planning without the complexity of coordinating multiple advisors. – Steve McBride

The Retirement Blueprint series is designed for:

• Professionals and business owners approaching or in retirement with substantial investable assets
• Families with complex estates seeking tax-efficient wealth transfer and legacy planning
• Entrepreneurs who need business continuity planning and diversification strategies
• Anyone concerned about outliving savings, market volatility, inflation, or unnecessary taxes

If you’ve spent decades building wealth and want confidence that it will support not only your life but the lives you touch, this series is for you.

"After 25 years in this business, I've learned that the people who sleep well at night aren't the ones with the highest returns last quarter. They're the ones who know their plan is comprehensive, their risks are managed, and their wealth will endure beyond their lifetime. Whether you're a business owner planning succession or a professional protecting family assets, that's what integrated planning makes possible, and that's what I help people build."

– Steve McBride

STEVE MCBRIDE, BA

Steve is an Investment Advisor with Ventum Financial and the founder of McBride Wealth Management. With over 25 years of experience serving affluent Canadian families, Steve specializes in retirement income planning, tax-efficient wealth preservation, and integrated investment and insurance strategies.

As a dual-licensed advisor, Steve holds both investment and insurance licenses, allowing him to provide comprehensive planning that coordinates all aspects of your financial life within a single, disciplined framework.

His approach is grounded in fundamentals-driven investing: focusing on intrinsic value, long-term business quality, and patient capital allocation, refined through decades of working with professionals, entrepreneurs, and business owners who understand that protection, growth, and legacy are complementary forces.

Other Credentials:

• Member: Canadian Investment Regulatory Organization (CIRO)
• Member: Canadian Investor Protection Fund (CIPF)
• Part of Ventum Financial Corporation