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Retirement Planning

 It is never too early to start planning for your retirement and we will work with you to ensure that you will have the resources to live in financial freedom and make the most of your retirement years.

Government Benefits

The Government of Canada provides a number of benefits to assist citizens once they retire. These include, but are not limited to, Canada Pension Plan (CPP), Old Age Security (OAS) and Guaranteed Income Supplement (GIS). CPP is a monthly taxable benefit to retired contributors, OAS is a monthly taxable benefit to persons who are 65 and older and GIS is a monthly non-taxable benefit to low-income retirees who are also receiving OAS.

Company Pensions

Company pension plans are considered one of the three pillars of retirement planning, together with government pensions and personal savings. Understanding what to expect from a company pension is essential to effective retirement planning.

Retirement Savings

A Registered Retirement Savings Plan (commonly referred to as an RRSP) is an account that you use to help you save for your retirement. Anyone who files a tax return can open one and they encourage you to save more by reducing your taxes while you save.

Retirement Income

When planning your retirement, perhaps the most important question you have to ask is how much money you're going to need. Maybe you've sat down, crunched a few numbers and are worried that your future income may not be enough to support you during your retirement. Unfortunately, underestimating the amount of money they will require to retire is one of the most common mistakes people. We will help you calculate how much you will need to allow you to live in financial freedom throughout your retirement.

Retirement Income Calculator: http://srv111.services.gc.ca

Investments

Retirement income can also come from non-registered investments which can be structured in such a way as to receive tax-efficient income. See Investments and Savings.