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Retirement Planning

The need for an investment portfolio to provide a retirement income is obvious. We all need money to live off once we stop working (which is by choice or by necessity). There is a lot of debate about how much to save, what types of investments to use, tax considerations, your future health, and so forth.

Our philosophy is simple: the more money the better. No one who has accumulated wealth will ever say they have too much. The quality of your life depends solely upon your Net Worth, or lack thereof. The question becomes how to create it, and where to start.

It is essential to take the time to review your financial goals and properly construct an investment portfolio.

Retirement Services

Savings Phase:

We all need to save money for the future. The question becomes how much is enough? First, let us deal with a few facts. At some point you will retire either by choice or by necessity. At that time you are only going to have 2 questions:

  • How much do I have?
  • How long will it last?

It is possible today to be retired for as many years as you worked. Therefore, the size of your retirement nest egg may be greater than you think. The sooner you start planning and saving, the better off you will be.

Income Phase:

Now that you have stopped working, how much income do you require, and how long will it last? Is the income guaranteed, or will a market downturn reduce my standard of living? What happens if you fall ill, and how does that affect your income? These are all concerns for which we have a solution.

Retirement & Investment Planning

The need for an investment portfolio to provide a retirement income is obvious. We all need money to live off once we stop working (which is by choice or by necessity). There is a lot of debate about how much to save, what types of investments to use, tax considerations, your future health, and so forth.

Our philosophy is simple: the more money the better. No one who has accumulated wealth will ever say they have too much. The quality of your life depends solely upon your Net Worth, or lack thereof. The question becomes how to create it, and where to start.

It is essential to take the time to review your financial goals and properly construct an investment portfolio.

Investment Options

There are thousands of investments to choose from, and just as many opinions on the “right” one for you. There is no question, a properly constructed portfolio (containing a wide variety of investments) to help your money grow is essential.

We do however, fully appreciate that it’s your money at risk, not ours. We also understand you may have different beliefs and comfort zones based on your past experience.

As such, we have made an executive decision to only offer investment products and services that offer some form of guarantee, or have some form of tangible security.

You must have a portion of your investments that are immune to sudden market corrections that can (and have) bankrupt many people. This is essential to have a secure retirement. We’ll ensure you always have some money regardless of economic conditions.

We offer quality products such as:

  • Segregated Funds
  • GIC’s and Annuities
  • High Yield Interest Accounts
  • Real Estate Investments
  • Guaranteed Retirement Income Products
  • Alternative Investments (Land Banking, Private Lending, etc)

Pension Maximization

Pension Plan:

Should you take early withdrawals at age 60 at a reduced income level, or wait until age 65 for the maximum benefit? This is a good question, and we can run the numbers to see what option makes the most sense based on your unique needs.

Employer Pension Plan:

Once retired, you will be required to draw an income from your pension. Did you know the pension income may be significantly reduced in order to provide a survivor income to your spouse? There are alternatives that will allow you to enjoy a higher pension income today, while providing for your spouse at the same time.

Individual Pension Plans:

An effective strategy for incorporated business clients is the establishment of an IPP. This effectively allows you to transfer, on a tax free basis, money from your company into a private Pension Plan. Please review the following link for more information, as IPP’s are a more complex strategy and require a minimum level of knowledge before proceeding. You will also need to consult with your accountant or tax advisor to ensure this works for you.