Retirees and
pre-retirees

looking to live comfortably

Retirement is undoubtedly the most significant life event we all plan to encounter. Naturally, you may be concerned about outliving your savings and would like to make sure that if an unexpected event happens, that you will have the resources to maintain your quality of life.

If you are approaching retirement, planning and preparation are key in determining when to retire, or how much longer you should work in order to support your lifestyle. However, the importance of planning doesn’t diminish when you retire. People are living longer today, so the possibility of going 10, 20 or 30 years without a paycheck takes continued planning.

We’re here to help answer these important questions, as well as help you with preserving your wealth and creating a sustainable income stream throughout your retirement. We can design a retirement income plan that addresses both your need for monthly funds and your desire to make your money last. We will also develop a plan to help mitigate the impact of market risk, taxes and inflation.

In addition, we will help you manage your distributions and determine the most tax-efficient ways to draw income from your investments. We can also help you with two very important matters: estate planning and wealth transfer.


Estate planning

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favourite charity, proper estate planning requires careful consideration of many factors to ensure that your assets accumulated over your lifetime are protected and preserved for the use you have intended.

It will help you cover off important topics such as:

  • Creating valid and current wills for all adults in the family
  • Evaluating insurance coverage
  • Understanding ownership structures (i.e., the use of Joint Tenancy agreements)
  • Realizing advanced estate-planning opportunities (i.e., the use of Living Trusts)
  • Planning charitable gifts

Wealth transfer

We can help facilitate the efficient transfer of your assets to your beneficiaries upon your passing through financial planning strategies that include wills, estate planning, life insurance or trusts. We can collaborate with your legal, accounting and insurance professionals on these important matters.

Retirement should be a most enjoyable and fulfilling time of your life – and with the right financial guidance, we believe it can be.

Our services include:

  • Retirement income planning
  • Discussing pros and cons of when to take Canada Pension Plan
  • Legacy planning
  • Tax planning
  • Estate distribution strategies
  • Facilitating family meetings to discuss sensitive topics
  • Homecare and planning where you will live

There is no assurance that any investment strategy will be successful. Investing involves risk including the possible loss of capital.