Juan Clavier

Juan Clavier is the founder of RetireZest, a Canadian retirement-planning platform. His background combines quantitative analysis and software engineering, applied to the specific tax and benefits rules retirees navigate in Canada.

What he writes about

Juan writes the educational content on RetireZest. Topics include:

• CPP and OAS timing — when to start each benefit, breakeven analysis, OAS clawback strategies.
• RRSP, RRIF, and TFSA — withdrawal order, meltdown strategies, RRIF minimum rates, and the interaction with OAS / GIS.
• GIS — eligibility thresholds, the 50% clawback, and how to keep reportable income low for households who qualify.
• Corporate / CCPC planning — eligible vs. non-eligible dividends, RDTOH, CDA extraction, and integrating holding-company income with personal RRIF withdrawals.
• Couples and income splitting — pension splitting, spousal RRSPs, staggered retirement, and CPP sharing.
• Risk and methodology — sequence-of-returns risk, Monte Carlo stress testing, and the Zest Score (RetireZest's 4-pillar retirement-readiness measure).

Editorial standards

Every article on RetireZest cites primary sources where possible (Canada Revenue Agency, Service Canada, Statistics Canada). Tax and benefit figures are updated annually. Posts are reviewed at least once a year, with the "Updated" date shown at the top.

RetireZest is an educational tool. Juan is the product's founder, not a licensed financial advisor. Articles describe how the Canadian retirement system works and how the RetireZest tool models it — they are not personalized financial advice. Readers with specific situations should consult a qualified planner.

Contact

For editorial corrections, source clarifications, or media inquiries, email contact@retirezest.com.