RetireMent Planning

Many Canadians are aware of the importance of planning for retirement, and are naturally good savers, but require additional support identifying key drivers of success. These might include a more robust understanding around the nuances of building up a combination of “taxable” and “tax-paid” buckets of capital, identifying the “right” time to commence CPP draws, and zeroing in on a sustainable, inflation adjusted, after tax monthly spend rate. Individual net worth, rate of return on assets, period of accumulation/ withdrawal, support of children, and unforeseen events are all critical components to incorporate into retirement planning projections.