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Helping you address your retirement planning priorities

We understand that there should be no compromise when it comes to your financial future.
That is why we work diligently to serve as the ultimate steward of your financial health, simplifying 
life's complexities with a full spectrum of strategies for a tailored plan that we believe is the only 
one you will ever need.


No matter what stage of life you're in, we can help you pursue independence, freedom and the 
things that matter most to you. Your journey begins now. Let us help you get you on your way.

Getting Started

Now is the time to establish realistic goals for your future, pay down any high-interest debt you may have accrued and establish a budget and savings plan. Building up an emergency fund for those “just in case” moments is another smart step to take.

When it comes to your financial future, the most important factor in your favour is your age. We take advantage of the time you have, regularly contributing to tax-advantaged retirement accounts and potentially boosting savings with matching funds offered by your employer.

Your goal should be to begin building up enough assets to provide adequate income to meet your needs throughout retirement – accounting for factors like increased longevity, healthcare costs and inflation. To accomplish this goal, you need a plan. That’s where we can help.

Wherever your work or life leads you, we assist in managing your cash flow and allocating your resources, striving to help you reach both your short- and intermediate-term goals without endangering your long-term plans.

Almost There

Life has a way of throwing curveballs. As you approach the end of your career, you may have questions about what comes next or if you’re ready emotionally and financially. Together, we uncover the answers, identify and address any concerns you may have, and update your retirement plan to reflect your current wishes.

We start by identifying your short- and long-term goals. When do you want to retire? Where do you want to live? How will you spend your days? Then, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.

If you need to play catchup, we examine the best way to do so by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your pension, CPP/QPP and OAS options with you, so you’ll be ready as soon as you’re eligible.

Almost There

Life has a way of throwing curveballs. As you approach the end of your career, you may have questions about what comes next or if you’re ready emotionally and financially. Together, we uncover the answers, identify and address any concerns you may have, and update your retirement plan to reflect your current wishes.

We start by identifying your short- and long-term goals. When do you want to retire? Where do you want to live? How will you spend your days? Then, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.

If you need to play catchup, we examine the best way to do so by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your pension, CPP/QPP and OAS options with you, so you’ll be ready as soon as you’re eligible.

Our retirement planning process

How do we get started?

A thorough, multi-step approach allows our retirement planners and retirement advisors to give you a tailor-made, personalized plan, with all facts considered and all options explored.

1. Organize

Our retirement planner first gets to know you, ensuring you are well served, not only for your stated goals but unstated ones too. We discuss your retirement vision and life values to make sure that our retirement planner plans align with what truly matters most for you. We understand your short, medium and long-term goals and begin quantifying and translating them into retirement planning objectives. We then map out all the resources already at your disposal to mitigate the various risks: your cash flow, assets, government benefits and more.

2. Analyze

Our retirement planner performs an analysis of your financial position. We stress tests your finances to see how resilient your plan is in the event of various worst-case scenarios, both economic and personal. We will run calculations and projections to see your current trajectory and how well it meets or doesn't meet your goals.

3. Strategize 

Apply proven strategies, academic research, sound financial planning principles. We sort through all different possibilities and strategies to engineer an optimal set of solutions and recommendations for you. Your retirement planning will be comprehensively considered through 4 frames: Investment, Insurance, Tax and Legal. 

4. Realize

You don't need to know everything, but you should know some things. We review our retirement planner's recommendations in simple to understand language. If there are any options and trade-offs, we'll make it known and come to the best decision together. Our retirement planner will teach you enough to have the clarity and confidence that leads to success. If the recommendations sound good to you, our retirement planner will help you put it into action. Our retirement planner offers both advice and implementation.

Principles of our retirement planning service

When you retire and enter a completely different stage of life, your finances will too. If you're still using strategies from the accumulation stage during the retirement decumulation stage, you're asking for trouble. Retirement planning is like climbing Mount Everest -- most of the fatal accidents actually happen on the way down. Make sure you have specific planning and advice from a retirement planning specialist.

Retirement income

How long will my money last? How much can I spend so I won't run out? When should I take government benefits like CPP and OAS? Which of my assets should I spend first?

Risk management

What if we hit a recession? What if money is needed for failing health? What if I 'outlive' my money? Addressing the what-ifs of uncertain investment returns, uncertain needs, uncertain lifespan.

Tax planning

How do I minimize taxes? How do I avoid clawbacks to my government benefits? What about probate fees and other taxes on my estate? How can I optimize my charitable giving for tax efficiency?

Wealth transfer

How much can I pass on to my children? How can I give less to the taxman and more to my loved ones? How can I leave a charitable legacy? Should I set up a charitable foundation?

If any of the above questions raise concern, schedule a free no-obligation meeting today!

Access the Value of an Expert Second Opinion

Schedule a complimentary no-obligation financial consultation with our team.

Service area

Wealth management and legacy planning team based in Edmonton, Alberta. Our professional financial and investment advisors leverage both in-person and virtual meetings to service the following greater areas: Edmonton, Alberta - Calgary, Alberta - Vancouver, British Colombia - Kelowna, British Colombia - Victoria, British Columbia - Saskatoon, Saskatchewan - Regina, Saskatchewan - Winnipeg, Manitoba - Ottawa, Ontario - Toronto, Ontario - Quebec City, Quebec - Montreal, Quebec - Fredericton, New Brunswick - St. John's, Newfoundland and Labrador - Yellowknife, Northwest Territories - Halifax Nova Scotia - Charlottetown, Prince Edward Island - Whitehorse, Yukon - Iqaluit, Nunavut.