Take advantage of our expertise to live out your retirement dreams.
We will help you each step of the way, from accumulation to disbursement.
You probably have a good idea of what you want to do once you’ve
retired: renovate the family home, travel the world, purchase a
vacation property, etc. Ambitious or not, your retirement dreams can
come true if you plan them right today.
To implement a savings strategy that will help you live out the
retirement of your dreams, you must of course evaluate your current
assets in relation to your objectives, but you should also take into
consideration the fiscal consequences of your investments, your
succession plan, your income sources and every other factor that can
impact your savings ability and your future income.
Your advisor has the expertise necessary to help you in this
process. With their help, you will be able to accurately define your
objectives and retirement needs, as well as determine the right
strategies to execute at opportune times of your life.
Typically, we go through four life stages during which it is
critical to reviewour savings and investment strategies to ensure that
we remain on the right path to our dream retirement:
Accumulation – This stage concerns you if you are just
starting your career and have very few invested assets with relatively
high expenditures. For instance, you may be considering purchasing
your first home, in the process of paying back school loans or
planning to start a family.
Preservation – This stage applies when you have begun
accumulating retirement savings and have a stable career and family
life. What matters most at this point in time is to preserve your
wealth, while continuing to grow your assets with calculated risks.
Disbursement – This stage refers to retirement. This is
when it is important to properly manage your wealth by using the right
disbursement strategy so that you may optimize your pension income.
Transfer – This stage concerns your wealth after your
passing. It is important for you to have prepared the transfer of your
assets and implemented the right succession plan in order for your
loved ones to be cared for as you had intended.