Retirement Planning Without Guesswork.

Get a fee-only Retirement Income Plan that gives you clear strategy, tax-efficient income, and confidence at every stage of retirement.

BOOK A COMPLIMENTARY CONSULTATION
Retired couple on a sunny beach with arms around eachother in an embrace

Fee-Only Retirement Income Planning

Fee-only financial planning means you won’t be sold products disguised as financial advice for commission. You’ll get an independent, advice-only financial retirement plan that is strategically tailored to your goals, your resources, and the life you want to live.

Together, we design a comprehensive plan that integrates:

  • Reliable retirement income
  • Tax-efficient withdrawals
  • RRIF withdrawal strategy
  • CPP, OAS, and pension decisions
  • Investment risk management throughout retirement
  • Long-term income sustainability

what our clients say

Posted on Google Google
L Chen profile picture
L Chen
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Marlene to plan our retirement has been an absolute wonderful experience. As a couple, we had a lot of questions and concerns about securing our financial future and ensuring that we do not outlive our retirement savings. Marlene took the time to listen to both of us and understand our goals. She created a comprehensive, tailored retirement strategy and financial road map that gave us both peace of mind. We appreciated how she broke everything down in a way that was easy to understand, and she was incredibly patient with us as we navigated the details. From analyzing our current assets to projecting future income needs, she assured us that we were on track to retire comfortably and confidently. Thanks to Marlene, we’re feeling much more secure about our future and have a clear plan in place. We couldn’t be more grateful and highly recommend her services to anyone looking for expert, personalized retirement planning!
Posted on Google Google
K and profile picture
K and
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Malene is outstanding in her field. A true professional that confirmed our vision and developed a plan for our retirement. Nothing better than the personal touch of dealing direct with the owner and their passion for their craft with zero conflicts of interest!
Posted on Google Google
J Fudge profile picture
J Fudge
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Marlene was extremely helpful. She is clear, her instructions are easy to follow and she takes care to understand her client's priorities. Her financial plannibng was excellent,
Posted on Google Google
S Tanchak profile picture
S Tanchak
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
The process for retirement planning can be complex, including the process of teasing out the expectations of partners. Marlene has a true person-centred approach, as well as tons of technical expertise. We completed the process feeling confident that all angles had been considered and that we have a plan that is fit for our needs and wishes.
Posted on Google Google
K Ormsby profile picture
K Ormsby
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Really enjoyed working with Marlene on mapping out my financial plan and various scenarios for retirement and streams of income. She was incredibly thorough and the process was designed in a way not to be overwhelming and allowed for time to digest and ask all appropriate questions. I would highly recommend for anyone in the pre-retirement phase who doesn't have a pension and needs a clear plan for how and when they can retire.
Posted on Google Google
W Griffiths profile picture
W Griffiths
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Marlene guided us through the retirement process from beginning to end. She not only did a review from a financial viewpoint, but she also did a comprehensive assessment of all our lifestyle goals. Marlene took time to listen and ask the right questions to provide a road map to retirement that included goals and timelines, a review of income sources, investment strategy, expense projections, tax implications, risks and estate planning. She made the experience personal, stress free and enjoyable. We would highly recommend Buxton Financial for anyone considering retirement.
Posted on Google Google
Duncan profile picture
Duncan
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Posted on Google Google
P Dempsey profile picture
P Dempsey
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My wife and I worked with Marlene on a financial plan. We cannot recommend her highly enough. She was organized, thorough, and timely. Through her process we were able to carefully consider our wants, needs, and resources. Marlene was very receptive and responsive to our many questions. She helped us to create a robust plan that addresses our unique circumstances. Thank you Marlene.
Posted on Google Google
B moynihan profile picture
B moynihan
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My eyes ,ears and brain have been opened and educated by the wealth of information obtained in The Retirement Planning process.ThankYou very much Buxton Financial for Retirement!!!
Posted on Google Google
R A profile picture
R A
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My wife and are approaching retirement but had no concrete idea if we could realistically retire within the next year or two while maintaining our current lifestyle. Marlene was terrific in assessing our situation and working through the numbers to give us the short and long term projections. She was also was very helpful with our tax planning as I am self-employed. I never realized how stressful planning for retirement could be but she certainly helped with that and I have a much better feel for what to expect and different ways to navigate going forward. On a personal level, my wife and I found her pleasant to work with and also flexible with her scheduling. Thanks Marlene!

Experience a Thoughtful, Guided Process with Buxton Financial for Retirement

Badge that reads Best Businesses of 2026 ThreeBest Rated to Buxton Financial for Retirement Excellence

As Featured In

Logo for The Globe and Mail
Logo for The Canadian Press
Logo for Financial Post
Logo for Everything Zoomer
Logo for CTV News
Marlene Buxton

Meet Marlene Buxton

Retirement Income Specialist
Certified Financial Planner® Professional

Marlene C. Buxton BA (Economics), CFP®, CLU®, RRC®, Chartered Financial Planner® is the principal Fee-Only Financial Planner of Buxton Financial For Retirement.

As you approach or move through retirement, she helps you turn your finances into a clear, practical plan that supports the life you want to live. With decades of experience and a focus on retirement income and estate planning, Marlene reviews your full financial picture so your plan accounts for multiple scenarios and helps you make informed decisions about your income, taxes, and legacy.

Read More

Proud Member Of

Logo for Estate Planning Council of Toronto
Logo for Certified Financial Planner
Logo for Advocis
Logo for Chartered Life Underwriter
Logo for Chartered Institute of Financial Planning
couple in their 50s sitting at dining table drinking wine and looking at laptop together

Our Process

Retirement income planning requires more than projections. It’s your life and finances together that shape your retirement. Decisions in one area affect the other, which is why your plan must integrate both.

Through a structured series of meetings, we work together to address the key financial decisions of retirement.

Each step builds on the last. Aligning your income plan, tax strategy, and long-term goals.

Between meetings, detailed analysis is completed and presented as clear, well-supported recommendations, which allows you to make informed decisions with confidence.

couple shaking hands with a financial planner

Is Fee-Only Planning For You?

Fee-only financial planning works best for individuals and couples who are approaching retirement — or already living in it — and want to move forward with confidence.

We’re the right fit if:

  • You value independent, professional advice and practical guidance
  • You want thoughtful direction, not sales pressure.
  • You need a strategy, not a product.
  • And you want a plan built around your life — not a template.

Decisions made during retirement can shape several decades. If you want to approach them with practical guidance and informed decision making, fee-only financial planning may be for you. Book a complimentary consultation today.