When someone retires, generally they go from employment income to several sources of income. Sources of income such as Canada Pension Plan (CPP), Old Age Security (OAS), company pensions, annuities, Registered Retirement Income Fund (RRIFs), Tax-Free Savings Accounts (TFSAs) and various other sources. It is important to understand each of the sources, the timing of the withdrawals and how they will be taxed.

Ultimately, we want to maximize your retirement income, minimize your tax and preserve your capital. Once we have a clear understanding of your position we can establish an income strategy and assess your investment needs. We will then create an Investment Policy Statement based on your investor profile and income needs.

As a Portfolio Manager at CIBC Wood Gundy I have access to all investments and strategies available to Canadian investors. Managed accounts, segregated funds, principle protected notes, low cost Exchanged-traded Funds (ETFs), hedge funds, individual stocks and bonds can all be used to construct a unique portfolio to you as an individual.