Retirement Planning

Long before retirement even hits our radars, we’re planning our education, which industries to work in, and how to earn income. We carefully strategize our every career move so that we progress to the top of our field. Sadly though, most of us forget to plan for “life after work,” which jeopardizes all that planning and effort we put into our working lives!

If we don’t plan for retirement, it might not look like we'd like it to. And an ill-prepared retirement is bound to be one filled with financial stress and chaos!

You need to ask yourself:

• What does our retirement look like?
• Could we run out of money in retirement?
• Are we spending appropriately ?
• What if we’re not saving enough?
• How frequently should we be saving?
• Are we investing in the right places?
• How much will we need in retirement?
• Will our Government and Employer pension plans cover us through retirement?

What We Do For You

Retirement planning doesn’t start at retirement, it starts much before! Our Retirement Planning service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure your “Life after work” is as well-planned as your life prior to retirement.

Here’s what we do for you as part of our Retirement Planning service:

• Understanding your goals: Through an intensely personalized approach, we determine your retirement goals.
• Analyzing where you are: We help you build an in-depth financial inventory that we use as part of our retirement planning process.
• Developing the plan: We work with you to create a retirement plan that addresses every one of your questions. When we’re done, you’ll know not only what you need (income) to fund your retirement lifestyle and how your projected investment returns impact that picture.
• Implementing the plan: As you move closer to retirement, we work with you to ensure the plans are implemented in a phased and orderly manner. We aim to make transitioning into retirement as seamless and stress-free as possible for you.
• Supporting your decisions on pensions and benefits: Our retirement planning professionals will be there when you need them to help and to help educate and assist applying for and handling pensions and benefits (Government or Employer).
• Looking out for you in retirement and beyond: Our retirement planning service never stops! To live a long and fulfilling retirement, you’ll need help with many other facets of your life – Health Care, Insurance, Charitable Giving and Legacy Planning. When you need our advice, our advisors will be there for you!
• Ongoing reviews:  We maintain a long and enduring relationship with you as we continue to monitor and review your retirement plans and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.