You’re well established in life, your children are grown, and retirement is just around the corner. You’re increasingly interested in having a detailed retirement plan in place, and you wonder what the best strategies are, to do that. Taking action at the pre-retirement stage, before it’s too late, is important.

Chaises Adirondack bleu sur la plage

Planning my retirement

What strategies will help me make the most out of my retirement?

Calculatrice et graphique financier

Paying fewer taxes

Which approaches apply to my situation?

deux personnes d'âges matures prenant une marche avec leur chien

Protecting my assets and my family

What will happen to my loved ones in the event of premature death?

Lettre testamentaire avec plume

Preparing my estate

How do I ensure that my last wishes are respected?

Financial risks

Delayed education savings plan for your children.

Unequal distribution of estate among your children.

Underestimation of the impact of a serious illness.

Does this sound similar to your situation?

Let’s create your financial plan together

Components of financial planning

Personal and family

  1. Marital status
  2. Rights of common-law spouses
  3. Rights and obligations of marriage
  4. Division of family assets
  5. Responsibilities of a liquidator, mandatary, or trustee

Statement of financial position

  1. Tracking of changes in net worth
  2. Cost of living and budget evaluation
  3. Emergency fund options
  4. Adjustment of discrepancies between investor profile and current asset allocation
  5. Strategies for budget management
  6. Strategies for debt management

Fiscal status

  1. Information about deductions, tax credits, socio-fiscal programs
  2. Strategies for reducing the family tax burden
  3. Investment taxation optimization
  4. Evaluation of capital cost allowance (CCA) eligibility
  5. Evaluation of net capital losses carried forward

Living benefits

  1. Evaluation of protections against illness and accidents
    • Disability insurance (salary, credit, office expenses)
    • Critical illness insurance
    • Drug and paramedical insurance
    • Travel insurance
  2. Insurance strategy to address gaps in coverage
  3. Legal documents in the event of incapacity.

Retirement projections

  1. Evaluation of cost of living, savings capacity, and retirement income sources
  2. Actions to be taken and timetable for closing the distance and reaching your goals
  3. Strategies for:
    • Optimal allocation of pre-retirement savings
    • Disbursement of retirement capital that accounts for sociofiscal programs
    • Survival risk management

Situation at death

  1. Assessment of protections held
  2. Assessment of estate liquidity and insurance strategies to address gaps in coverage
  3. Life insurance
  4. Assessment of legal documents
  5. Consistency between preferred transmission and any that might otherwise prevail.
  6. Strategies for ensuring that wishes are respected, optimizing taxes, and controlling bequeathed assets

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