Retirees

You have spent decades working, saving and are looking forward to your “Second Life”. You’ve dreamt of free time, no stress and doing what you want. Now, as you approach this second phase you realize you aren’t as old as you thought you would be!

The typical retiree that finds our service of most value is approaching or already retired, has accumulated savings (i.e. RRSP’s, Pension, Business or other assets), and is looking for advice and guidance to help them transition into the next stage of their life. They are looking for a trusted advisor who understands both the emotional and financial challenges that they will face. Our service will be of greatest value to those who have someone in their life that they love and care for.

Secure your financial future.

Personalized Needs Analysis

Common Concerns

  • RRSP’s
  • Non-Registered
  • Investments
  • Real Estate
  • RRIF’s, LIF’s, and Annuities
  • Pension Plans
  • Life Insurance
  • Long-Term Care
  • Critical Illness
  • Estate Planning
  • Charitable Giving
  • Gifts for Grandchildren
  • Tax efficient Retirement income strategies
  • Tax appropriate investment portfolios

FAQs

One’s expectations, lifestyle, health, and goals all determine how much you will need to achieve a comfortable retirement. Our customized retirement report will break-down your projected retirement income and show you if you will have enough or what you specifically have to do to achieve your retirement dreams.
“It’s simply the process of structuring your affairs to preserve your wealth and to transfer, in an orderly fashion, what’s left at the time of your death to those of your choosing – whether family, friends, partners, or charities.” – Tim Cestnick – Winning the Estate Planning Game.
No, diversifying by financial institution does not guarantee a diversified portfolio. We use a third-party portfolio analyzer that takes a snap shot of all your investment holdings at all institutions and gives you a complete report including over-lap, asset allocation, and geographical analysis to ensure proper diversification.
We will take a look at your current and estate tax projections. Our team along with your accountant will identify unique tax saving strategies. A special part of that team is our tax and estate planning specialist that can help analyze your tax situation at no additional cost to you.
There are three types of life insurance (Term, Participating (Whole Life) and Universal Life) and all three have their proper place in a financial plan. Depending on what stage of life you are at, and after assessing your needs we can help you determine which type of product or combination will be the most cost effective and appropriate.
No, our team consults with your professional advisors to ensure all aspects (tax, investment, insurance) of your financial plan are working together.
Every client situation is unique and requires different solutions and services. There are 3 different ways that we can be compensated: 1. Fee for service structure. 2. Compensated through the financial products that you purchase (commission). 3. A combination of both (fee for service/commission). We will discuss and disclose the best arrangement for you and your plan in our initial meeting.