Retirement Planning
Building Your Retirement
Income Plan
Planning for retirement starts with understanding where your income will come from and how much you'll need to maintain your lifestyle. Did you know that less than 1/2 of Canadian workers are covered by employer pension plans? Or that people are starting to save earlier? Or that you could be retired for a longer period of time than you actually worked? It's never too early to start planning for retirement.
Your Sources of Retirement Income
More people are beginning to save earlier to prepare for longer retirements, sometimes lasting even longer than their working years, and replying on a mix of pensions, savings, and investments, and government programs.
As a general rule of thumb, you'll want to plan for about 70% of your current pre-tax earnings to support your standard of living once you stop working. Ready to discuss retirement? Contact us
Your Employment Pension
Your employer pension provides a stable foundation for retirement income based on your years of work and contributions.
Your RRSPs
RRSPs allow your retirement savings to grow tax-deferred, helping you build long-term income for your future.
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Your personal savings and investments add flexibility and growth potential to your overall retirement income plan.
Government Programs
Government retirement programs offer essential baseline income that supports and complements your personal savings.
Canadian Pension Plan (CPP)
CPP provides monthly retirement benefits based on your contributions, forming a key part of your income strategy.
Old Age Security
OAS offers a dependable government-funded pension that supports your retirement income starting at age 65.
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75+ years of combined experience
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3 financial planners
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5 team members
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Why Choose Us
75+ years of combined experience, 3 professionals holding the CFP® designation, and 5 committed team members, our mission is to help clients make the most of their money by simplifying the complexities of your financial life.
Through thoughtful planning, proven strategies, and a collaborative approach, we help you make the most of your wealth today.