Retirement Planning

You’re not getting the answers your looking for, you aren’t certain about your future, you’re not happy with your advisor, you want better returns.

Why does it feel like my advisor is the only one that’s winning and not me?

There is no need to feel like this and feeling secure and confident about your future starts with planning for cash flows in retirement.

I have a simple yet amazing system that allows my clients to focus on living their lives and not worry about their investments minute by minute.

It starts with guiding people in answering these two questions:

  1. How much cash flow do you want in retirement?
  2. When will you need it by?

Then I start to see what cash flow is already available:

  • Government pensions (CPP & OAS)?
  • Corporate pensions (Defined benefit or contribution)?
  • Locked-In Retirement accounts (LIRA)?
  • RRSP’s
  • Non-registered investments
  • Investment properties
  • Equity in your home

Next I figure out how much cash flow needs to be generated.

Lastly I start to find the right solution in order to deliver and secure your cash flows.

It can be accomplished with one or a combination of:

Stocks – Bonds – ETF – Mutual Fund – Segregated Fund – Annuity

Home Pension – Investment Property

The investments are derived from knowing how much cash flow is needed to be generated after…

…I know how much is coming from other sources…

…after I know how much income you desire in retirement…

…which is done by guiding you through these two questions:

  1. How much cash flow do you need in retirement?
  2. When do you need it by?

My portfolios are constructed using the countries and sectors that have the most possibility for upside return and the least downside risk.

This may seem obvious however how portfolios these days are over diversified and lack direction. They lack belief in where the returns are going to come from.

What happens if the market is selling off in a major way? I figure out if a change is required in portfolios and act fast.

Do you want to see an example of how we put this together for our clients?

Watch the free retirement video on this page by clicking the button below.

Your portfolio deserves the BEST management. Register for our free retirement webinar and I’ll send you the stats on the value add inside my client portfolios.

*Minimum $100,000 family assets

Wealth Manager?

Unlike many financial institutions I am not a sales rep nor distributor of financial products.

I take a planning first approach.

I build portfolios because I have worked in the institutional investment world helping high net worth households for over 10 years. I hold the Chartered Financial Analyst designation which is considered the gold standard of education to run pension funds, mutual funds and hedge funds.

I have bring my vast wealth of knowledge when constructing portfolios because I have worked on trading floors, with pension funds and high net worth individuals.

This level of experience and education is rarely found elsewhere.

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Articles

The Monthly: May 2020

The Monthly: May 2020

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The Monthly: April 2020

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In the previous episode I talked about what the first thing I would do right now. That's separating my stock and bond exposure. The next thing I want to focus on is the assets themselves. The stocks and bonds. In this episode I give out some of the ETF's that I'm...

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