Retirement Planning

Developing a retirement plan that capitalizes on the opportunities of today is all well and good, but true planning comes from having a strategy that can adapt and is sustainable over the long term.

Retirement planning, often used interchangeably with "financial planning," is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, estimating expenses, implementing a savings program, and managing assets and risk. Future cash flows are estimated to determine if the retirement income goal will be achieved.

The emphasis one puts on retirement planning changes throughout different life stages. Early in a person's working life, retirement planning is about setting aside enough money for retirement. During the middle of your career, it might also include setting specific income or asset targets and taking the steps to achieve them. Once you reach retirement age, you go from accumulating assets to the distribution phase. You’re no longer paying in; instead, your decades of saving are paying out.

Our retirement plans will help you plan your retirement with the goal of achieving financial independence. Market cycles, tax and estate legislation, and your own circumstances change over time. We will work with you to find the right balance between protecting your hard-earned wealth and benefiting from upside potential to grow and maintain your lifestyle through retirement.

Whether that is years away or whether it has already begun. Everyone's story and assets are unique and so a full financial analysis is done. 

Assess readiness-to-retire given a desired retirement age and lifestyle, i.e., whether one has enough money to retire

  • Identify actions to improve readiness-to-retire
  • Acquire retirement planning knowledge
  • Encourage saving practices