Seniors

​You’ve worked hard your whole life to get to where you are today. For so long, you were saving thinking of future years and what you might do in retirement. Or you’re a workaholic and the idea of “retiring” was never truly appetizing, but you wanted to keep saving on the off chance that one day you’d be forced to stop working (whether for health reasons or because your spouse desperately wants you to join them in their retirement adventures).
 
Whatever the situation, deciding when to pull the retirement trigger and how to do so can be difficult.
 
I help seniors with strategic planning to ensure they are able to maintain their desired lifestyle in retirement (be that volunteering, lounging at the cottage, or globetrotting) and not worry about out-living their savings.
 
Ideally, this means ensuring you are in a good spot before you retire, but sometimes people come afterwards as well.
 
My financial planning for seniors includes:
 
• Analysis, optimization and management of your investments, including Ontario pensions (LIRAs and  LIFs), RRSPs, RRIFs, TFSAs, annuities, etc.
• Pension option analysis (to commute or not to commute? That is indeed the question!)
• Creation and maintenance of a retirement withdrawal strategy for tax efficient retirement income
• Cash flow and debt management
• Estate planning and asset transfer strategies
• Regular reviews and monitoring of your plan and investments