We provide retirement income planning services to retirees and those preparing for retirement. Our advisors work closely with individuals and families to identify their retirement income goals and create a plan to achieve those goals while managing risk appropriately. We’ll design a roadmap that projects the income you have today and how long you will need it to last in the future, together with strategies that can provide a regular income stream and help finance any potential medical care costs.
Once we’ve taken the time to understand your retirement goals, we can implement proven, time-tested strategies to help you protect your savings and enhance your after-tax income so you can live the retirement lifestyle you want.
Retirement Income Timing
One of the easiest ways to improve the probability of a successful retirement outcome is to focus on the factors you can control. If you live in Canada, your biggest individual retirement expense will be the tax you pay on your retirement income. Our advisors can help you assess when to trigger your government pensions and how to combine them with income from savings and investments accounts in order to minimize unnecessary tax.
Tax and Estate Planning
By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a lasting legacy for your family. Our advisors can help you preserve your assets and ensure they are managed the way you intended. We will work together to create a personalized estate plan that meets your needs, as well as the needs of those you love.
Standard guidance on strategy selection does not vary significantly for people who are employed and saving for retirement. Closer to retirement, however, one-size-fits-all recommendations will not be sufficient. Some retirees should have a more balanced plan while others should have a more aggressive strategy. Having the correct balance between income and growth will be essential to make sure you never run out of capital in retirement. Our advisors can work with you to create the most efficient plan based on your particular circumstances.