You’re already retired or your retirement is just around the corner. You’re watching the cost of living rise, steadily. Sometimes, you worry about running out of money in your old age. You’re looking for strategies to improve your quality of life in retirement, and to be able to leave a legacy to your loved ones.

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Managing my assets during retirement

How often should I review my retirement plan?

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Paying fewer taxes

Which approaches apply to my situation?

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Preparing my estate

How do I ensure that my last wishes are respected?

The financial risks

Unequal distribution of estate among your children.

Inflation and longevity risks (outliving your money).

Poor organization of documents, in the event of death or incapacity.

Underestimation of medical expenses when travelling abroad.

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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