Retirement | Ruiz Wealth Advisory
You thought you were nearing the finish line, but it turns out you're only halfway there. Now, you need to focus on generating your own income, dealing with the CRA, planning for market downturns or healthcare needs, and CPP and OAS. Plus, you might want to leave something for your children or grandchildren while minimizing taxes. Are your accounts structured correctly? Is avoiding probate always the best option? Will your estate face significant taxes? What about gifting strategies? Whatever happened to just relaxing and enjoying retirement?
Concerns
- Turning assets into income
- Taxes, taxes, taxes
- Decumulation strategy
- OAS and CPP timing
- Plan for market downturns
- Long-term health concerns
- Legacy planning
Results
Thanks to the guidance from Ruiz Wealth Advisory, you now have a clear path to achieving financial independence. You know which accounts to draw from and when, how to minimize lifetime taxes, and strategies to avoid realizing losses. You understand gifting strategies and have a plan to reduce the impact of probate. All your estate documents are up to date. Most importantly, with the clarity and perspective you've gained, you're enjoying financial independence on your terms and witnessing your loved ones benefit from your legacy now, rather than waiting until later.
