If you’re a decade or less away from┬áretirement or findependence, you need to get a reasonable idea of what to expect while there’s still plenty of time to make adjustments. There are so many moving parts: applying for CPP, turning your RRSPs, pension plans, and TFSAs into reliable income, smoothing your lifetime consumption and tax burden, and maximizing government benefits like the Guaranteed Income Supplement.

Retirement income is a puzzle that can be put together in so many different ways, and you need to understand what the pieces look like and how they might best fit together for you.

It’s not rocket science; it’s just putting each piece together by testing all of the possible scenarios and building the simplest, most sustainable plan possible using product allocation, life expectancy, and market return probabilities to reduce risk and worry.

Retirement Income Plan
A detailed breakdown of the minimum guaranteed income you can expect from CPP, OAS, and any pension plans, your projected spending in retirement, the likelihood that your personal RRSP, TFSA, and non-registered savings will fill the gap between your guaranteed income and your spending, identification of any areas of weakness in your plan, and a range of possible solutions to address those weaknesses
Cost: contact for a quote

Findependence Planning
Much like retirement income planning, but for those who want to include added variables like extreme early retirement.
Cost: contact for a quote

Wondering what you need? Email me or set up a time to talk through how we can work together.

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