Retirement Planning

The current realities of retirement

Market volatility, low interest rates, family pressures on the “sandwich” generation, lack of job security or a defined benefit plan – lots has changed in the past 10 years. The vast majority of Canadians, looking ahead to retirement, are feeling anxious and unprepared. You may not know what your retirement will hold or how you will keep active. Will you work part-time? Will you volunteer? You may not know, but I will help you understand the possibilities so that your vision, and what your plan needs to look like, can become clearer.

For many people, “the big day” seems as if it’s a long way off. For others, it’s just around the corner. What is common for many is an uncertainty about their retirement and who they can discuss it with.

They think they are alone – which is far from the truth. When clients turn to us for sound financial advice, we can change your perspective. You have accomplished great things in your lifetime and we can help you gain confidence that a comfortable and enjoyable retirement is also achievable.

Our expertise and knowledge can help:

Ease the anxiety many feel towards retirement planning
Encourage confidence with a sound plan for guaranteed income and protected savings
Provide the plan you need so that you can enjoy retirement

As a Senior Financial Advisor, Fernando has clients and prospects at many different stages in the retirement planning continuum. Each stage of a thorough financial plan requires solutions unique to your personalized needs.

Preparing for retirement

As you face the new realities of retirement, we provide guidance on how you can achieve a comfortable retirement. Successful in accomplishing many personal and career goals, you now face a new challenges.

Fernando provides guidance on how to:

Eliminate or consolidate debt
Invest for the future
Protect savings and income to avoid depleting investments in an emergency
Integrate an employer workplace savings plan
Understand the role of government retirement benefits

Transitioning into retirement

It’s important that your retirement plan includes properly allocated investments and protected income to ensure your hard earned savings will last as long as possible. As part of our retirement planning services, we guide you in the best course of action for tax efficiency and avoiding exposure to risk.

Fernando's advice identifies the solutions you need on:

Balanced product allocation
Investment protection
Tax planning
Income options
Ensure health benefits are considered for in retirement

Enjoying retirement

Today’s retirees have a very different outlook on retirement compared to previous generations when defined benefit plans were common. Retirees today have a longer life expectancy, are staying active and independent longer, and are expecting to live life to the fullest in retirement. We prepare you to face your retirement years with confidence.

You may require: