Will I have enough? Will it last?
Where are you on the retirement readiness spectrum?
Are you someone that worries about it constantly but are in paralysis as far as plans are concerned?
Are you perhaps great with your intentions and not quite the same with executing the plans you’ve got in your head?
Have your circumstances changed recently, either for the better or as a setback, making your plan for the future less than relevant?
Wherever you are with your plans, we can help. We will help break down the retirement dilemma into smaller, bite-sized pieces. The amount you really need is not always the scary figure that makes the headlines on the viral articles! It depends on your current circumstances, the kind of lifestyle you want, the number of dependents you may have, and much more.
We will provide you with a clear, concise and in plain English personal Lifestyle Plan. This will provide you with the guidance and the income you may expect your plan to deliver if executed accordingly to the variables we agree on.
Our team combines tax and estate planning to help you make the most efficient use of your assets in retirement. We will discuss tax ramifications, the impact of CPP, OAS, Employer Sponsored Pensions, Registered and, Non-Registered Investments.
Once you are retired, we work in-step with you to maximize the efficiency of your plan.
Whether you want to start thinking about it in your 30’s, nearly retired, newly retired or fully retired, we will create a written income plan that soothes the tax bite on your retirement income over time and gives you peace of mind.