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Frequently Asked Questions on Retirement Planning

Common questions our clients ask...
  • How can I make sure my retirement savings will last?
  • How can I create tax-efficient income in retirement?
  • When should I receive Canada Pension Plan benefits?
  • Do I have to take Old Age Security benefits at age 65 or can I postpone it?
  • What if I don’t have a company pension plan?
  • How can I create a guaranteed stream of income for the rest of my life?
  • I would like to gift money to my children. What is the best strategy to do this?
  • Should we sell the house and downsize, or stay where we are?
  • How do we prepare for the what-ifs in life?
  • Will we need a health plan after age 65?

We have the software and tools to assess your situation, provide helpful advice, and help you to understand all sources of retirement income available to you.

Your income sources must provide income for life and we want to ensure you receive income in the most tax-efficient way. Some income sources are fixed while other sources are flexible. Knowing when to receive income from the various sources requires careful planning. We recommend layering income to meet your own personal goals and situation.

The task can be quite complex and we use professional planning software to do the analysis. We then present you with recommendations based on our findings. You can then make an informed decision about your future.

Consulting Services are offered on a fee-for-service basis.

 

Avoid trial & error with your retirement planning

GIC RATES

Secure | Guaranteed |
Convenient | Flexible
1 year
2.400%
2 year
2.550%
3 year
2.700%
4 year
2.800%
 
5 year
3.000%
Rates can change daily!