Braden Pennycook Wealth Management

What we believe in

Independence • Integrity • Innovation

Independent Wealth Management Built Around Clarity, Trust, and Long-Term Income

A Structured Approach to Retirement Income Planning

We are an independent wealth advisory firm specializing in retirement income planning for families who seek a more structured approach to retirement.

Our focus is on the disciplined transition from wealth to income. We design and manage tax-efficient strategies that allow clients to draw from assets with clarity. This involves coordinating investments, pensions and corporate or farm assets into a tax-efficient income strategy designed to sustain both your lifestyle and long-term security.

The firm was built on the belief that advice should be transparent, conflict minimized, and every recommendation made in the client's best interest.
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Objective decision making, cost discipline, and full alignment with client interests. We work with a limited number of families to ensure each receives thoughtful planning, precision, and a high level of ongoing attention.

Unique Value Proposition

Many retirees worry about two things: outliving their money and leaving value on the table. I specialize in building income plans that solve both. You've spent decades building wealth.
I help pre-retirees, farm families, and business owners turn their wealth into lasting income. I help you spend it confidently, tax-efficiently, and without the fear of running out. Independent advice, no product quotas, lower fees, and full transparency.

Through our detailed retirement income planning process, I will help you draw from the right accounts at the right time. We will optimize your pensions, tax strategies and protect your assets so you can spend with confidence knowing your plan is built to last.

As an independent firm we don’t sell products to meet quotas. We provide advice designed around your objectives, with a transparent fee structure and a disiplinedd focus on preserving and growing your wealth.

Mission Statement

To give hardworking Canadians the retirement they've earned through transparent, independent financial planning that helps clients confidently use their wealth; balancing today’s lifestyle with long-term security through thoughtful retirement income, tax, and risk management strategies.

Surveillance

Valeurs mobilières PEAK est soumise aux vérifications de l’Organisme canadien de réglementation du commerce des valeurs mobilières (OCRCVM), le principal organisme duquel elle relève.

Vision Statement

To redefine wealth management as a relationship built on trust, clarity, and independence; where our clients feel empowered to enjoy their lives today, knowing their future is secure and their financial decisions are always made in their best interest.

Coordinated Wealth Management Services for Your Retirement Plan

We work across six areas and coordinate them into one plan. Here is how we handle it:

services offered :

Retirement Planning*

What are your goals and how can we help?

A real plan, not just a collection of accounts. RRSP’s & TFSA’s are useful tools, but they are not a retirement plan. We build a long-term roadmap. How much and into which account. Most importantly, how to turn this back into income when you are ready.

Cashflow Planning

What do you want to achieve with your wealth? Let's map it.

What does a typical month's expenses look like? When can we start checking off the travel bucket list? Do you have a desire to help out family members or a charity? What about the unexpected? My clients retire with the peace of mind to enjoy the wealth they have built without worry of running out. This confidence comes from the proper planning of your family's cash flow before retirement.

Insurance Planning

We hope we never use it, but it shouldn’t be overlooked

Plans have risks. We make sure our clients are prepared if life takes a detour.

Estate Planning

You should decide where your money goes, not the CRA

We make sure what you have built transitions where you intend it to go, with as little tax and friction as possible.

Investment Management

Evidence-based. Fee conscious. No constrained product shelf

We build portfolios based on modern research to match your financial plan. We are not constrained to one firm's fund offering or partnerships with financial incentives. The exclusive focus is the best outcomes for our clients. As it should be.

Tax Planning

For many clients, tax is likely your largest expense and should be a focus

We work with you and your accountant to ensure we are taking advantage of strategies available today to ensure you are not paying more than necessary. However, we have an objective to limit your overall lifetime tax bill by reducing unexpected tax consequences later in life.

What to expect as you move through our planning process

The outcome

Wealth deployed with intention

A clear framework that lets you use your wealth with purpose, balancing lifestyle, legacy, and long-term security.

Advice Led by Braden Pennycook

A Decade of Experience. A Focus on What Matters.

With more than 10 years in wealth management, Braden Pennycook holds the CFP® and CLU® designations, reflecting advanced expertise in financial planning, risk management, and wealth transfer.
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As an independent wealth advisor, his work specializes in retirement income planning for pre-retirees, farm families, and business owners. He helps clients turn complex wealth into a clear, tax-efficient strategy that balances enjoying today with protecting tomorrow.

Financial Planning Powered by Conquest Planning Software

A clear, interactive way to see your retirement plan

Braden uses Conquest Planning software to help clients visualize retirement income, tax strategies, investments, pensions, estate goals, insurance needs, and cash flow decisions in one coordinated plan. This interactive planning process makes it easier to compare options, understand trade-offs, and make informed financial decisions with greater clarity.

Build your financial plan

We are committed to guiding investors towards better financial health, impartially and independently.
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PEAK does not own and market any in-house products and does not impose any sale objective. As it is not affiliated to any financial institution or manufacturer, its business model is flexible and provides access to all financial products available and approved for sale in Canada.
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We believe in independent advice.
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Accompanied by our 1,500 registered advisors, professionals and employees across Canada, PEAK has always been in the lead, yet has never lost sight of its values and mission.
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What drives us

Independence • Integrity • Innovation
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www.peakgroup.com
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First

independent DEALER in canada

34 years

of independent financial advice

$19B

in assets under administration

1,500

PEAK Advisors and employees

From Enterprise Value to Enduring Income

Build Durable Income Beyond the Business

Business owners often accumulate significant wealth inside their corporations but lack a clear strategy to convert that value into personal financial independence. I provide structured advice on extracting and deploying that wealth, whether through dividends, transition, or sale, while managing tax exposure and concentration risk.

The emphasis is on:
• Coordinating corporate and personal balance sheets
• Structuring tax-efficient income strategies
• Reducing reliance on a single liquidity event
• Creating durable, diversified income streams

So that the success of your business translates into long-term financial freedom on your terms.

Contact

Preserving the Farm. Securing Your Retirement.

Create Income Beyond the Farm. Plan for Succession, Fairness, and Family Continuity

For farm families, wealth is deeply tied to land, legacy, and family continuity. Retirement decisions are rarely straightforward. I advise on how to extract income from the operation without destabilizing it while addressing succession, fairness among heirs, and the long-term viability of the farm.

The focus is on:
- Creating income beyond the farm
- Structuring tax-efficient transitions
- Maintaining operational integrity across generations
- Bringing clarity to complex family decisions

The result is a plan that respects both your financial needs and the legacy you intend to leave behind.

Contact

Contact Pennycook Wealth Management

Your financial well-being is our top priority. Connect with Braden Pennycook today to discover how we can assist you in achieving your financial goals.
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We are here to help!

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OUR OFFICE

4819 - 51 Street Stettler, AB T0C 2L0
(Stettler Office)

4440 49 Ave Red Deer, AB T4N 3W6
(Red Deer Satellite Office)

Contact info

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Email: bpennycook@peakgroup.com
Office: +1 (403) 741-9741

OUR OFFICE

phone number

* This website is intended for residents of Alberta & Saskatchewan.
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Braden Pennycook Wealth Management is an independent representative attached to PEAK Investment Services Inc. While the advisors provide personalized financial advice, all investment product recommendations are made and processed through PEAK Investment Services Inc., in accordance with regulatory requirements.

PEAK Investment Services Inc. is a mutual fund dealer registered with the Canadian Investment Regulatory Organization (CIRO). Its activities include the distribution and supervision of investment products such as mutual funds and ETFs. PEAK’s responsibility is limited solely to the investment products it distributes. Any other services, including financial planning and insurance, are provided by (advisor name) and are not the responsibility of PEAK Investment Services Inc.Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Please read the prospectus and Fund Facts carefully before investing.The information contained on this website is provided for general information purposes only and does not constitute investment advice. The information is not intended to provide specific financial, legal, accounting or tax advice and should not be relied upon in that regard. Investment decisions should be made based on your individual circumstances in consultation with a Mutual Fund Representative.

PEAK Investment Services Inc. is a member of the Canadian Investor Protection Fund. For more information, please visit https://www.cipf.ca/home
For more information regarding the advisors CIRO registration, please click here to access the CIRO Advisor Report for Braden Pennycook Wealth Management.

Independent Wealth Advisory for Farm Families, Business Owners and Pre-Retirees in Alberta‍

Independent Wealth Management Built Around Clarity, Trust, and Long-Term Income

A Structured Approach to Retirement Income Planning

Coordinated Wealth Management Services for Your Retirement Plan

We work across six areas and coordinate them into one plan. Here is how we handle it:

What are your goals and how can we help?

What do you want to achieve with your wealth? Let's map it.

We hope we never use it, but it shouldn’t be overlooked

You should decide where your money goes, not the CRA

Evidence-based. Fee conscious. No constrained product shelf

For many clients, tax is likely your largest expense and should be a focus

What to expect as you move through our planning process

The outcome

Wealth deployed with intention

Advice Led by Braden Pennycook

Financial Planning Powered by Conquest Planning Software

A clear, interactive way to see your retirement plan

We are committed to guiding investors towards better financial health, impartially and independently.‍

We believe in independent advice.‍

What drives us

From Enterprise Value to Enduring Income

Build Durable Income Beyond the Business

Preserving the Farm. Securing Your Retirement.

Create Income Beyond the Farm. Plan for Succession, Fairness, and Family Continuity

For farm families, wealth is deeply tied to land, legacy, and family continuity. Retirement decisions are rarely straightforward. I advise on how to extract income from the operation without destabilizing it while addressing succession, fairness among heirs, and the long-term viability of the farm.

Contact Pennycook Wealth Management

Independent Wealth Advisory for Farm Families, Business Owners and Pre-Retirees in Alberta
‍

We are committed to guiding investors towards better financial health, impartially and independently.
‍

We believe in independent advice.
‍