Retirement Planning

Saving for retirement can seem like a daunting task, and without a plan having enough for retirement may seem out of reach. 

Once you retire you want to feel confident that you aren’t outspending your savings.

With our clients we take a collaborative and educational approach to retirement planning. Whether you’re just starting out, mid-career or already retired, let us help develop a plan and road map to reach your retirement goals.

Pre-Retirement Planning

Saving for retirement can seem like a daunting task, and without a plan having enough for retirement may seem out of reach. With our clients we take a collaborative and educational approach to retirement planning.

 

Here’s how we can help you achieve your retirement lifestyle:

  • Develop a personalized savings plan that can meet your future retirement lifestyle.
  • Educate you on your plan, strategy and investments
  • Design a portfolio to grow your savings without taking on undue risk
Post-Retirement Planning

Managing cash flow in retirement is just as important (arguably more important) as during working years. Determining how much can be spent in the most tax efficient way is how we help our clients as they navigate the post-retirement years.

 

If you’re already retired we can help:

  • Design a conservative portfolio with growth to mitigate the depletion of your capital
  • Determine how much you can spend so that you don’t outlive your savings
  • Develop a tax efficient income stream based on your needs for retirement
Additional Advice
  • There are many different types of savings plans that can help you reach your retirement, see Investments for more details
  • Evaluation of an options package from a former employer to help you decide on keeping your pension or transferring out the pension funds (commuting your pension)
  • Explanation and advice on defined benefit pension plans, defined contribution pension plans and employer sponsored RRSPs (Group RRSPs).
  • Transfer of a UK registered pension scheme to a Qualifying Recognised Overseas Pension Scheme (QROPS) in Canada

 

Mutual Funds Offered through