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.