Retirement Planning

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

These are the initial statements we hear. Then…

…We start to uncover the real question:

What will my retirement look like and how do I secure my future?

This may seem like a difficult question but it really boils down to a simple formula.

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

We guide people in answering these two questions:

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

Then we 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

Then we figure out how much cash flow needs to be generated.

Lastly we 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…

…we know how much is coming from other sources…

…after we 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?

 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.

*Minimum $100,000 family assets

Wealth Manager?

Unlike many financial institutions we are not sales reps nor distributors of financial products.

We take a planning first approach.

Our portfolios are built by managers who hold the Chartered Financial Analyst designation which is often considered the gold standard of education.

They have real hands-on investment experience constructing portfolios because they 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

Monthly November 2019

Monthly November 2019

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Monthly October 2019

Monthly October 2019

Halloween finished up and I can't help but wonder if Trump and China are both putting on masks to have better rhetoric but lack substance and follow through. With the election coming up I also wonder if Trump will look for a deal that lacks the follow through of his...

Return Expectations

Return Expectations

Let's start this conversation with as of October 17, 2019 that US and Canadian central bank interest rates are below 2%.  This is known as the risk free rate. Premiums are built on top of this. Liquidity, credit risk, volatility in revenue, tenure, experience, time,...

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