Retirement is both an exciting and nerve wracking event in a person’s life.  There is a lot that needs to be accomplished during the years leading up to retirement and a lot that needs to be considered once retirement is achieved.  It’s also an emotional time and having the proper support to help you through this process is invaluable.

Leading up to retirement it’s about ensuring there is an appropriate savings plan in place.  Aligning the savings program comes primarily with clarity on the goals and objectives related to a person’s retirement.  What retirement looks like for one person is very different from what retirement looks like for another person and each person’s retirement plan needs to be customized to their own dreams, goals, and circumstances.  This process cannot be cookie-cutter.

Migrating from the accumulation phase to the income phase will be one of the most significant life changes anyone can face.  Having the right team in place to help you through this transition is critical and will ensure the greatest chance of success in navigating the process.

Once a person is retired there is a dramatic shift in thinking as they change from earning an income to creating their own income.  Without proper planning this can be an emotional time.  Each decade of retirement poses new questions, new challenges, and new opportunities.  We help chart a course through this time and act as an emotional buffer whenever challenges arise.

Questions about when to take your Canada Pension, in what order should you draw from your various retirement income sources, pension splitting, tax credits, and other things people worry about in retirement are important things to consider and where we can help.