Getting Ready for Retirement

Retire In Comfort

You work hard. So set aside retirement as your all-about-you time.

Retirement is a wonderful opportunity to enjoy life to its fullest-without the worry and headaches of finances. That's why planning for your comfortable, secure retirement is a top priority for us.

In order to ensure your retirement years are everything you imagine, there are some key considerations to bear in mind whether your all-about-you time is just around the corner or still years away.

Determining when you or your spouse plan to retire, the lifestyle you desire, as well as the amount of income you'll receive from private pensions and government plans is a good place to start. We know retirement planning can be tricky. And, as one of the most important investments in your life, we're here to help.

Count on us to:

• Determine, through analysis, the amount of money you will need during retirement

• Develop a personalized plan to achieve your retirement goals

• Determine how much you need to invest to achieve your desired level of retirement income

• Select the best investments to help you realize your retirement goals such as: GICs, mutual funds and annuities

• Determine what kind of insurance you need to maintain your standard of living if your situation changes, such as disability insurance, critical illness insurance

• Examine your portfolio and meet regularly to re-evaluate to ensure you and your plan will meet your goals

Make Your Money Last

You've got a lot of living to do. And, you deserve to get the most from what you have during every stage of your life. Often times financial planning is seen only as a feature of the working years; however, planning shouldn't stop when your pay cheques do.

Your retirement years are a time to enjoy the fruits of your labour and do the things you've always dreamed of. That's why it's so important to make your money last — and we're committed to providing solutions empowering you to do so.

Following retirement, it's important to consider what options will best maximize your income stream and minimize your income tax bill. Retirement is about rewards, and we work to ensure you'll never be cut short.

We will help you:

• Determine your stream of retirement income with RRIFs (Registered Retirement Income Funds), annuities and other income

• Maximize your retirement income by selecting the best investments suited to your unique needs

• Minimize your income tax bill

• Ensure you can maintain your lifestyle if you become critically ill or disabled

Define Your Legacy

Celebrate your life and leave a lasting imprint of what mattered most to you. As a concerned person wanting to protect and provide for loved ones, you can count on us to help you define your legacy by building a portfolio that will continue to give long after you're gone.

Although estate planning can be an uncomfortable topic, it doesn't have to be. Let one of our professional advisors walk you through the ways to protect your assets and shelter your loved ones after your passing.

Reality tells you your time will come. Common sense tells you it's best to be prepared. That's why it's crucial to ensure your estate plan is an effective one. After all, it's your legacy.

We will help you:

• Ensure your financial affairs are structure to best reflect your wishes

• Work in collaboration with other professionals (accountants and lawyers) to establish a superior, personalized estate plan

• Minimize your liabilities through tax-saving strategies, life insurance, or charitable giving