Retire with confidence
Being confident in your retirement means knowing that your wealth will last for your lifetime and beyond. Together, we will carefully consider today’s assets, your future needs and retirement income expectations in order to help you design the lifestyle you desire for tomorrow. From risk management and tax minimization to supplementary retirement income strategies and advice for even the most complex of issues, we will help you look forward to retirement with confidence.
A retirement plan that's all about you
The few years before retirement are exciting and maybe a little nerve-racking. Partner with us to ensure you’re doing everything you should.
You want to make the best decisions when it comes to retirement. On the other hand, you don’t want to waste hard-earned money padding someone else’s pocket.
Our financial plans offer a high-degree of personalization that matches your investments to your goals and ability to take on risk. We analyze each potential opportunity to find just the right ones for you, your family and your goals, while also helping to manage your liabilities so you feel confident in your complete financial picture.
Your map through retirement
Plan smarter and feel better prepared throughout your career by using our retirement guides. We’ve assembled relevant articles and tools to help point you in the right direction.
Saving for retirement
Getting started can feel overwhelming. We’re here to help guide you. Yes. Starting to save for retirement can allow you to capitalize on the potential of compounding—the most powerful financial tool there is. By putting away what you can now, you could have exponentially more by the time you retire.
Near to retirement
With retirement around the corner, help prepare for it. There’s no magic number, unfortunately. But creating your own personal retirement budget can help you develop a savings goal that makes sense for you. Even if you are 50 or older, you can make catch-up contributions. While the extra contributions can help increase your savings as you near the retirement finish line, you don’t actually have to be “behind” to take advantage of them.
Living in retirement
You’ve spent years working and saving. Now it’s time to enjoy your nest egg. Healthcare is likely to be a major item in your retirement budget, though it can often be one of the most unpredictable. In addition to planning for everyday healthcare costs, consider whether you could benefit from a long-term care insurance policy. Research shows that 70% of people over age 65 will need some form of long-term care.
Create your Retirement Roadmap
This first part of the process is about determining where you want to go. The only way to have the future you desire, rather than the one that will happen by default, is to create it.
What’s important to you? What do you value? What are your goals in retirement?
Imagine living a life that is fulfilling, one in which you are achieving your goals and living life according to your most deeply held values.
Understand how much retirement savings you need
You want to retire, the next step in retirement planning is figuring out how much you’ll need. The honest truth, you’ll need a lot of money for retirement. You’ll probably need considerably less a year than you did when you were in the workforce. This is due to both lifestyle changes and the fact that you’ll likely be eligible to collect Old Age Security (OAS) and Canadian Pension Plan (CPP). Earning a little less in retirement than your top salary tends to work out just fine.
Factors that affect retirement savings
- Taxes
- Where you live
- Home ownership
- Other sources of income
Develop a complete financial picture
Our disciplined planning process accounts for your short- and long-term goals, your tolerance for risk and your stage of life, while also keeping a watchful eye on today’s complex domestic and global markets. In our experience, that’s the best way to customize a comprehensive, diversified portfolio that is flexible enough to meet your needs now and in the years to come.
