START YOUR RETIREMENT PLANNING TODAY
a time to unwind, pursue passions, and enjoy the fruits of your labour.

Chart Your Course to a Secure Retirement

  • check iconFinancial Security
  • check iconFreedom and Flexibility
  • check iconPeace of Mind
  • check iconMaintaining Your Standard of Living
  • check iconLeaving a Legacy
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Understanding Your Income Streams

Government Benefits

The Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) provides a foundation for retirement income. Old Age Security (OAS) offers additional benefits for eligible Canadians.

Employer Pension Plans

Many employers offer defined benefit or defined contribution pension plans. Understanding your plan details and potential contributions is crucial.

Personal Savings & Investments

Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs) are powerful tools for accumulating wealth for retirement.

You Need to Know..

Building a secure and fulfilling retirement starts today. By taking the initiative and leveraging the resources available, you can craft the retirement you deserve.

Don't delay securing your financial future. Contact us for a free consultation with one of our retirement planning specialists. We will help you create a customised plan that sets you on the path to a secure and fulfilling retirement.

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Importance of Planning for Retirement:

Financial Security

A well-defined retirement plan helps ensure you have sufficient income to cover your living expenses throughout retirement. This financial security eliminates stress and allows you to focus on enjoying your free time.

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Freedom and Flexibility

Retirement planning empowers you to choose when to retire. With a secure financial base, you can make decisions based on your desires, not financial constraints. Pursue travel, hobbies, or volunteer work without worry.

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Peace of Mind

Knowing you've prepared financially for retirement brings peace of mind. You can relax and enjoy your later years without the burden of financial anxieties.

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Maintaining Your Standard of Living

Retirement doesn't have to mean sacrificing your current lifestyle. Careful planning allows you to maintain your desired standard of living and continue to enjoy the activities you love.

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PLeaving a Legacy

Proper retirement planning can ensure you have the resources to support yourself and potentially leave a financial legacy for loved ones.

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Key Considerations

🔘 Desired Retirement Lifestyle

Imagine your ideal retirement – travel, hobbies, or supporting loved ones. Estimate the costs involved to determine your savings goals.

🔘 Risk Tolerance

Investment decisions should align with your risk comfort level. Explore a variety of options like stocks, bonds, and guaranteed investment certificates (GICs).

🔘 Debt Management

High-interest debt can hinder your retirement savings. Develop a plan to pay down debt and free up future income.

Taking Action

🔘 Retirement Savings Calculators

Utilize online tools to estimate your CPP/QPP and OAS benefits and identify potential savings gaps.

🔘 Financial Advisors

Consider seeking professional guidance to create a personalized retirement plan that reflects your goals and risk tolerance.

🔘 The Canada Revenue Agency (CRA)

The CRA website offers a wealth of information on RRSPs, TFSAs, and government benefits. Visit https://www.canada.ca/en/revenue-agency.html.

Building a secure and fulfilling retirement starts today. By taking the initiative and leveraging the resources available, you can craft the retirement you deserve.

Don't delay securing your financial future. Contact us for a free consultation with one of our retirement planning specialists. We will help you create a customised plan that sets you on the path to a secure and fulfilling retirement.

"I feel confident and prepared to embark on my journey towards a secure and fulfilling retirement. Highly recommend!"

Maisey Gale - COO unigalley

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