Retirement Planning

Before retirement even comes into our minds, we already have a plan for what education, skills training and professional designations we would like to earn. A lot of time is also spent planning which industries to work in and which employers to work for. Our goal, once employed, is to rise to the top of the ladder in our respective fields.

Our focus is most often on these plans, but we often fail to plan for “life after work”!

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The importance of Retirement Planning

We all do everything we can for ourselves, our families, and dependents, from choosing careers to managing careers at our employers, to make a better life for ourselves and our families. However, if we fail to plan for life after work, we could compromise all of our plans and efforts.

Constant questions that our minds ask: How will retirement look? Do we spend too much? What if we don’t save enough? When should we save? Is it possible to run out of money in retirement? Is our investment going where it should? What will we need in retirement? Will government and employer pension plans cover us in retirement?

Without a plan, we can never prepare for retirement. A poorly planned retirement is bound to cause financial stress and chaos!

How We Can Help

Our Approach

Retirement planning does not begin with retirement for our clients. It begins much earlier! Our Retirement Planning service considers your financial well-being over the long term. To ensure your “post-work life” is well-planned as well as your life prior to retirement, we use a whole-life approach.

Here’s what we do for you as part of our Retirement Planning service:

Your personalized retirement planning strategy

Everything we do for you centers around four pillars – Helping you plan to achieve your financial goals prior to retirement; Planning to ensure you have sufficient income during retirement; Putting plans in place to safeguard your Nest Egg and yourself against potential catastrophes; Planning for your legacy.

Understanding your goals

Through an intensely personalized approach, we understand what your retirement goals are.

Analyzing where you are at

To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.

Developing the plan

Remember all those questions you had on your mind – largely unanswered? Well, we’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle, and what your investments will generate; but you’ll also know how to bridge the shortfall – if any.

Implementing the plan

As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our Retirement Planning approach is to make transitioning into retirement as seamless and stress-free as possible.

Supporting you make decisions on pensions and benefits

Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (Government or Employer): Whether to apply or not? When to apply? What to do with those funds…and much more.

Looking out for you in retirement and beyond

Our Retirement Planning service isn’t done yet – not by a long shot! To live a long and fulfilling retirement, you’ll need help with many other facets of your life – Health Care, Insurance, Charitable Giving and Legacy Planning. When you need our advice, our specialists will know exactly how to respond!

Ongoing reviews

Our Retirement Planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans, and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.