Retirement planning & enjoying the fruits of your labour.

A successful retirement means different things to different people. But whether it's quality time with loved ones, seeing the world, volunteering or spending more time in the garden, one thing is for sure — no one wants to spend their golden years stressed by financial concerns.

Planning for your retirement sooner will provide you with more opportunities to reach your retirement goals.

The concept of retirement has changed dramatically in recent years. Only 20 years ago, it meant a few quiet years of rest after a hard life of work. But, with better health and life expectancy rates, retirement today could mean more time for sports and leisure, quality years with the family, travelling the world, moving to the beach, or doing something you've always wanted to.

A bit of careful planning can help to eliminate the worry of not having enough to live on. Wherever you are on your road to retirement, it's never too early to start planning. Even if you feel you’ve left things a little late, planning now can still make a real difference.

Financial Strategy for Retirement

We have helped multiple clients carefully consider their strategy for retirement

Pensions

Most Quebecers will rely on their pensions or RRSPs to fund their retirement.

We focus on two things — reviewing your pension plans and tax deffered savings for maximum potential and finding any missed oportunities you may have.

Investing

Developing an investment plan is a vital step in pursuit of your retirement goals. With our help, you will learn how to build an investment portfolio that's right for you, which assets to invest in, and how to manage risk.

Government Benefits

We'll guide you through the complex maze of pensions, allowance and benefits available from the Age you decide to retire.

We explain how to qualify for entitlements and choosing social security friendly investments.

Tax and Retirement Income Strategies

How to choose between retirement investment options and the tax and old age security implications? We are able to assist in making the right decisions.

We can also help you to evaluate the different types of retirement income products available.

Among others some available strategies can include:

✔ Transition to retirement pensions

✔ Allocated pensions

✔ Withdrawals & re-contributions

✔ Child pensions

✔ Spouse contributions

✔ Spouse contribution splitting

✔ Salary sacrifice

✔ Anti-detriment benefits

Investment Pyramid

Pensions & tax deffered plans

By the time you retire, A pension or deferred retirement account may be your second most valuable asset behind your home.

These programs can provide large tax benefits as opposed to other ways of investing. We focus on two things — reviewing your existing plans for maximum potential and finding any lost opportunities you may have.

In our experience, TFSA & RRSP are popular with Canadian investors who are seeking:

Choice — to access a wide range of investment options.

Control — to manage family assets, actively make decisions to grow wealth for retirement and create a strategy for their beneficiaries and their later years.

Flexibility — to adjust investments and the structure of their RRSPs as needed, and to implement effective tax strategies.

Transparency — to have clear visibility over how their investments are performing within their Retirement accounts.

We have intensive experience and accreditation to advise on Retirement accounts and pensions and can help you assess the available options when considering one or optimizing your existing plan. Working alongside your accountant we aim to deepen your understanding of the regulations, steer clear of potential pitfalls, and unlock the maximum potential of these programs.

Discover if self managed plans are right for you.
Make a complimentary first appointment.