Our Planning Process

Retirement Income Assessment, Calgary

Wouldn't It Be Nice to Know What a Written Quality Retirement Plan looks like or How Much Money You Need to Fund Your Retirement Lifestyle & Be Confident That You Won't Run Out of Money?

If you're like most people you want to know:

  • How much money do I need in order to retire?
  • How do I pay less in taxes?
  • How do I take income from my investments, while preserving the capital?
  • How much money will I get in Government Pensions (CPP & OAS)?
  • How do I know for sure I'm getting everything I'm entitled to?
  • How much guaranteed income will I have, and can I create, in my retirement?
  • In what order should I start taking money out of my various investment accounts?
  • How do I ensure I won't run out of money?
As retirement income specialists, our job is helping you maximize your income from all sources, reduce taxes, protect your capital and provide ongoing growth to your portfolio so that you do not outlive your money.

Think about it

Just imagine waking up each day, doing what you want to do and not having to worry about finances. Imagine how you will feel knowing how much you can spend each month regardless of market volatility. And, it's all because you have a specific plan that you can understand and follow.

That's why we create Written Quality Retirement Plans for our clients:

We create actual written PLANS to help you prepare to retire. We are offering this service to help you identify where you are currently and show you what else you need to do to prepare for your ideal retirement lifestyle. We will also show you how to maximize your retirement income opportunities and pay less tax. 

Here's what your Quality Retirement Plan will show you:

  • How much cash flow you will need in retirement & how much you can expect to receive
  • Where it will come from, AND how long your money will last
  • A Retirement Budget to help you plan your life
  • A detailed customized RRSP exit strategy and when you should convert to a RRIF
  • We'll do a CPP and OAS Analysis & let you know when you should start collecting
  • Summary of any missed opportunities from CPP & OAS
  • List of gaps in your current plan and risks you need to prepare for 
  • Retirement recommendations customized specifically for you
  • Tax saving opportunities now and upon death
  • A full retirement income plan with the correct order for taking income from your various sources
  • Values and goals planning that will help create an ideal retirement lifestyle with purpose
  • A worry-free plan that will ensure you do not outlive your money and enable you to enjoy your life with peace of mind
  • We'll not only point you in the right direction, we walk with you along the way

The Process:

1. Book your 15-minute call to see if and how we can help you. You can do that using the form below or by calling us at 587-755-0159 

2. If we feel that we are a good fit for you we will send an email with the documents and info you will need to bring to the first meeting which is complimentary.

3. At our meeting, we will learn more about your values and goals and review your documents. You will learn about us and how we help our clients. By the end of our meeting, we will each know if our values and philosophies align and if we'd be suitable partners to work together to create and implement your retirement planning. 


The Costs:

Comprehensive Financial Planning: A full-service model where you use our world-class investment and insurance solutions where we are compensated by a percentage of assets under administration. (.4 - .85%) Suitable account size is $300,000 or more. There is no additional out of pocket fees for our full-service clients. As independent advisors, we have numerous investment platforms available depending on your needs and goals. Comprehensive planning includes the 6 key areas of a financial plan (Financial management, portfolio, risk, estate, taxation and retirement planning). The exact agreed upon fee structure is laid out in a letter of engagement before any planning is initiated. 

Guaranteed Lifetime Income: If you have a lump sum amount of money and you would like to create more guaranteed monthly income, such as a cashable annuity, to subsidize CPP and OAS to cover your basic living expenses. Call or book a complimentary meeting below. Book here!

We do operate on a 100% fee disclosure basis and you will always know the fees before you proceed with any decision. This approach enables us to avoid any conflict of interest. We do not charge commissions such as the DSC - the 7 years deferred sales charge.

A la carte Financial Advice: An hourly rate of $149/hour + GST. Suitable for people who self-manage their investments, but would like help with certain aspects of their overall planning like government benefits, final expenses, RRIF conversion, annuities, life insurance, ETC. Also, suitable for individuals who would like a second opinion on their current plan. Many people start with our $149 Retirement Readiness Assessment. Click here for more info.

You are not alone anymore

As specialists in creating quality retirement income plans, we have the tools and experience to steer you in the right direction with your planning needs. Our process will help ensure you reach your financial goals and enjoy a worry-free retirement.

Ready to Get Started? 
Call Nancy at 587-755-0159 or Book an appointment in our Calendar below.




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