Resilient Portfolio Construction

• Diversification: Investments are spread across asset classes and sectors to help reduce risk.
• Risk Management: Regular reviews ensure your portfolio matches your goals and comfort with risk, especially as you approach retirement.
• Local & Global Opportunities: I blend knowledge of Alberta’s economy with broader market trends.

Cash Flow & Income Planning

• Map Out Your Expenses: Identify essential and lifestyle spending, so you know what you’ll need monthly.
• Coordinate Income Sources: Structure withdrawals from pensions, RRSPs, TFSAs, and other accounts for reliable, tax-efficient income.
• Withdrawal Strategies: Minimize the impact of market fluctuations and safeguard your income.

Tax Planning for Retirees

• Optimize Withdrawals: Draw from registered and non-registered accounts to reduce your overall tax bill.
• Maximize Credits & Deductions: Take advantage of all federal and Alberta retiree tax benefits.
• Estate Tax Planning: Address potential tax implications for your estate, so more of your legacy goes to loved ones.

Health & Long-Term Care Planning

• Understand Alberta’s coverage and explore private insurance options.
• Anticipate long-term care needs and costs to protect your retirement lifestyle.

Estate & Legacy Planning

• Create or update your will and powers of attorney.
• Designate beneficiaries for accounts and policies.
• Structure your estate plan to minimize taxes and maximize impact for loved ones.

Ongoing Support – Your Retirement Partner

• Monitor and adjust your plan as your needs or the economy changes.
• Provide ongoing advice as new opportunities or challenges arise.