Investment Services: Retirement Planning

For someone who is not yet retired, retirement planning involves the preparation of a savings plan designed to accumulate the funds required to maintain your standard of living. For someone who is already retired, retirement planning involves evaluating retirement options regarding investments.

Some of the services where we can help include:

• Showing our younger clients the benefits of developing retirement objectives and beginning at an earlier age
• Counselling our clients who are approaching retirement on the importance of accumulating savings and investing them appropriately
• Counselling our clients who have retired about maintaining a stable retirement income and liquidating assets
• Providing advice on investment options suitable for each stage of retirement planning
• Providing advice to our clients about pension options

Still working?

For those still working, retirement planning involves gaining an understanding of the alternative options and investments available to accumulate savings for retirement. This process may include:

• Preparing income projections based on pension income, current savings, earnings and tax-sheltered savings.
• Determine any shortfalls in current income based on your retirement objectives and expected lifestyle expenditures during retirement
• Developing a savings plan to accumulate the additional savings

Already retired?

For those already retired, retirement planning involves using the accumulated savings to their fullest potential to support a desired and sustainable retirement income. The process may include:

• Preparing projections of pension income and personal savings to meet a desired retirement income
• Establishing a sustainable level of retirement income
• Advising you on the use of savings to take into account income taxes, interest rates, inflation and life expectancy

For additional information about retirement planning, call or email us today!