Retirement Ready or Not
EN FR

Retirement. Ready Or Not?

The complexity of your retirement pension requires planning

LA RÉALITÉ DE LA RETRAITE CHANGE. VOTRE PLANIFICATION DEVRAIT AUSSI .

Voici le defi

When planning for retirement, individuals are focusing mainly on how much CPP/QPP, OAS, and company pension they receive instead of how to maximize their retirement income in a tax-efficient way to ensure their money to last throughout their life expectancy. 

Are your ready for retirement or not? Do you know the answers to these questions?

The cost of living is increasing. Do I need more money to feel financially secure?

I'm healthy. Can I live longer than I expected?

There are new rules and implications of government retirement benefits. Do I know them?

Do I know how long I must work to retire at my current standard of living and how much money I will need to last throughout my life expectancy?

Should I worry about the rate of return I earn in my investments to retire comfortably?

Do I know exactly how much I need to save to be ready for retirement?

Can my retirement plan provide me with clarity, confidence and control over my money?

Essentially, it doesn’t matter how old you are, it’s never too late to take the first step or to get a second opinion on your retirement strategy.

Liliana Danila

Financial Planner, Chartered Life Underwriter*

CLU®, FSA, B.Sc.

15 years experience in the financial services industry

"With my proven financial system and exclusive strategies personalized to your financial needs and goals, I can help you plan wisely for your retirement so you can live the life you desire."

*The Chartered Life Underwriter (CLU) designation holders are regarded as elite professional financial advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer. CLU® designation holders are in the unique position of helping Canadians build and preserve wealth.

Liliana Danila - Retirement Ready Specialist

PLAN PURPOSEFULLY. BE RETIREMENT READY

There is a “no one size fits all” retirement solution.

Actually, there are essential things that you might not even think about.

If you don’t start thinking now about your financial well-being after your employment income has stopped, then it might become your children’s responsibility to take care of you financially during retirement. Don’t become a liability to your children!

Instead, you can take your retirement income into your own hands now. 

Obviously, you should not wait until you are 60 or 65 to find out how much your retirement paycheck will be.

Successful retirement planning often begins at a much earlier age than some people realize.

Particularly, time is a big factor to achieve a comfortable, enjoyable retirement lifestyle.

Besides time, the right combination of strategies and good planning can make the difference between a comfortable, enjoyable retirement and a financially difficult, stressful retirement. 

Therefore, without advice from a financial professional, it could lead to an unpredictable, unhappy retirement.

However, you can start developing your retirement paycheck now.

A PROVEN PROCESS TO ACHIEVE THE RESULTS YOU WANT

Our powerful, accurate, intelligent financial planning system has the ability to model multiple strategy combinations, to compare and select the best retirement path so you can achieve your financial goals and dreams.

CASH-FLOW & DEBT OPTIMIZATION

Asses your current expenses. Discover, reduce or eliminate unnecessary spending. Track and review debts and liabilities. Plan cash flow optimization to maximize every dollar you earn.

GOVERNMENT PENSIONS & ASSET OPTIMIZATION

Analyze government retirement benefits projection for income tax efficiency. Review and asses the risk tolerance and your time horizon to optimize saving and investment opportunities.

RISK MANAGEMENT OPTIMIZATION

Plan and evaluate asset protection strategies. Assess and review your insurance needs. Mitigate risks with insurance to avoid a major impact on your financial future.

ESTATE & TAX OPTIMIZATION

Analyze and plan family legacy and asset transition. Preserve and grow family estate. Provide liquidity & minimize estate tax obligation.

GET PROFESSIONAL ADVICE

HIGH LEVEL SERVICES REGARDLESS OF YOUR LEVEL OF WEALTH

We believe that every single person deserves access to great financial advice.
To create your retirement ready personalized plan, we start with what matters most

How much income you expect to live on during retirement years?

Which options and tools are available to you to generate your desired retirement income?

How much government benefits do you expect to receive during retirement?

Which tax bracket you might be in and how much taxes you might pay during retirement?

How much do you need to save to retire comfortably?

Could inflation affect your expenses and cost of living?

How losing money now, unknowingly and unnecessarily, might affect your retirement income later?

YOUR RETIREMENT PLAN NEEDS TO ADAPT TO YOUR LIFE

5 Star Retirement Ready or Not Process

INTRODUCTION

Schedule a discovery call or fill out our contact form to let us know you are interested in working with us. We will answer any question you might have about our unique retirement ready or not services model.

CONNECTION

If you decide to move forward and work with us, we'll send you a welcome email along with the Fact Finding and Engagement Disclosure forms. You must complete the forms and send them back to us. We'll book your first Zoom meeting to get to know you and understand your circumstances.

PREPARATION

We review your retirement needs, goals, priorities, opportunities and understand your current financial picture. We discover if there are any gaps and challenges that might stop you from meeting your retirement goals. Please allow 2-4 weeks for us to produce your personalized report.

PRESENTATION

We'll set up another Zoom meeting to present the report and discuss our recommendations. If you have questions and concerns regarding the plan, we'll answer them. We'll also make updates as required and ensure you understand the plan. We'll provide alternative recommendations, if necessary.

IMPLEMENTATION

A key to success is implementing the recommendations. If you decide to move forward with us, we'll book a third meeting to prepare the tools and plans needed to implement your retirement plan. To implement the recommendations we can meet in person or we can handle everything through our secure digital signature technology.

Ready to analyze your retirement situation? 

Click below to schedule your discovery call and explore how we can help you be retirement ready

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