Retirement Planning in Victoria, BC
Do You Have Enough to Retire—and Make Your Money Last?
Retirement brings important questions: When can you stop working? How much can you spend? Will your savings and investments support you throughout retirement?
At Hatch Muir Financial Group in Victoria, BC, we help you explore those questions through a written financial plan, retirement-income projections and comparisons of different scenarios. We consider your pensions, investments, government benefits and tax situation together, so you can understand how your resources could support the retirement you want.
Our team explains the recommendations and helps you identify practical next steps, with ongoing support as your circumstances change.
Book a Complimentary MeetingBuild Your Retirement Income Around Your Life
The income you need in retirement depends on your spending, responsibilities and goals. Everyday expenses, travel, family support and larger purchases all belong in the conversation.
We bring your expected income and financial resources into one view, then explore how they could work together over time. Your retirement plan should reflect your circumstances, rather than rely on a single income-replacement percentage.
Your Workplace Pension
If you have a workplace pension, we consider its payment options, timing and survivor benefits alongside your other retirement resources.
Your RRSPs and RRIFs
We include your registered retirement savings in the income picture and discuss how withdrawals could fit with your other income sources and tax situation.
TFSAs, Assets and Other Investments
Your other savings and investments may provide flexibility. We consider their role in meeting expenses, larger purchases and changing needs throughout retirement.
Canada Pension Plan (CPP)
Your CPP estimate and intended start date form part of the discussion. We consider how this income could fit with your pension, savings and investments.
Old Age Security (OAS)
We include expected OAS benefits where applicable and consider them alongside your overall income and tax circumstances.
Your Wider Financial Picture
Business interests, other assets and family commitments can affect retirement decisions. We bring the relevant pieces into your plan and coordinate with other advisors where needed.
What You Receive From Retirement Planning
Our initial financial planning process typically involves three to five meetings. Together, we work through your information, discuss your priorities and explain the recommendations. You receive:
A Written Financial Plan
Your financial position, goals and recommendations brought together in a document you can refer to and discuss with our team.
Retirement-Income Projections
A view of how your resources and expected income could support your spending over time, based on the assumptions used in your plan.
Comparisons of Different Scenarios
Explore how decisions such as retiring earlier, changing spending or helping family could affect your financial outlook.
Recommended Next Steps
Practical actions with an explanation of how they connect to your priorities, so you understand what the plan recommends and why.
Projections help inform decisions; they do not guarantee future results. We explain the assumptions and revisit the plan as circumstances change.
How We Get Started
A Complimentary Introduction
We discuss what you are looking for and explain how we work. This gives us both an opportunity to consider whether the relationship is a good fit.
Understand Your Circumstances
If you choose to proceed, we guide you through onboarding and gather the information needed to develop your plan. We discuss your goals, resources and financial concerns.
Develop Your Plan Together
We review the projections, compare scenarios and explain the recommendations. Your plan provides a foundation for your ongoing advisory relationship with our team.
Who We Work With
We work with individuals, families, small businesses and corporations seeking an ongoing advisory relationship. Our minimum investment amount is $500,000.
Retirement planning forms part of our ongoing financial planning and investment relationship. We no longer offer standalone fee-for-service financial plans.
Start With a Conversation About Your Retirement
Tell us what you are working toward and which decisions are on your mind. Contact our Victoria team to arrange a complimentary introductory meeting.
BOOK A COMPLIMENTARY MEETINGA Consistent Team You Can Reach
Retirement decisions continue after the initial plan is prepared. As your circumstances change, it helps to have an advisory team that knows you and understands your financial priorities.
Our clients value staff continuity and responsive communication. When you call, someone answers or returns your call. We work with a limited number of client families so we can give each relationship personal attention.
Based in downtown Victoria, our team includes two professionals holding the CFP® designation.
MEET OUR TEAM
Retirement Planning Questions
How do I know whether I have enough money to retire?
Start with what you expect to spend and the financial resources available to support it. We bring your circumstances into retirement-income projections and compare scenarios to help you understand your options. Your intended retirement date, income sources, tax situation and family priorities all matter.
Can you help me understand whether my money will last?
We use projections to explore how your resources could support you over time. Comparing scenarios helps show how changes in spending, timing or other assumptions may affect the outlook. These projections support planning decisions and are reviewed as circumstances change.
How does tax planning fit into retirement planning?
Different income sources and financial decisions can have different tax implications. We consider your tax situation alongside your retirement income and investments, coordinating with your accountant where appropriate.
Can I plan an inheritance while meeting my own retirement needs?
We consider your intended legacy alongside the income and resources you may need throughout retirement. Projections and scenario comparisons help you discuss the trade-offs between your own spending, support for family and what you hope to leave to your heirs.
Is the initial meeting complimentary?
Yes. We discuss what you are looking for and explain how we do business. If you decide to move forward, we begin our onboarding process.
Do you offer a one-time retirement plan?
We no longer provide standalone fee-for-service financial plans. Retirement planning forms part of our ongoing advisory relationships, which have a minimum investment amount of $500,000.