We believe in every client having access to a unique, personalized financial plan.

Our financial plans have created a level of comfort for our clients and we use them to identify tax planning opportunities, retirement dates, lifestyle spending amounts, savings and withdrawal strategies, appropriate levels of investment risk, insurance needs, unique one-time lifestyle decisions and more.

Your personalized plan will help you:

• Decide when you can afford to retire.
   
• Determine appropriate lifestyle spending before and during retirement.
   
• Estimate savings required to meet desired retirement income including:
   
  • Timing of large purchases or sales (i.e., house, cottage, etc.)
     
  • Timing of contributions/withdrawals from RRSPs/RRIFs/TFSAs
     
• Explore the potential effects of various strategies to minimize taxes
   
  • Smoothing of taxable income (avoid Old Age Security claw-back etc.)
     
  • Income splitting (i.e., spousal loan, pension splitting)
     
  • Holding/professional company withdrawal strategies
     
  • Insured annuities

Consider additional forecast based on the following "what if?" scenarios:

• Retiring at different ages.
   
• Gifting amounts to family members or charity
   
• Planning for different assumptions regarding portfolio rates of return and inflation.
   
• Spending more/less on your lifestyle.
   
• Spending different amounts during different stages of your retirement years.
   
• Making large purchases (i.e., renovations, house, cottage).
   
• Include potential inheritances.
   
• Saving different amounts in registered and non-registered accounts.
   
• The timing of selling of cottage/residence/commercial/rental property.
   
• Receiving lump sums in the future (inheritances, etc.).