Retirement Income
Estimate future income needs and identify the potential sources available to support them.
Retirement Strategies
Plan for retirement with more clarity and confidence.
Retirement planning is about knowing how you want to live, what income you may need and how your savings, pensions and investments can work together to support that future.
The Bigger Picture
Your retirement income will likely come from more than one place.
Canadians may rely on public pensions such as CPP and OAS, workplace pensions, RRSPs, TFSAs and other personal savings or investments. These sources work differently and may begin at different times.
A retirement strategy can help organize those pieces into a more understandable income plan while considering inflation, taxes, longevity and changing lifestyle needs.
Retirement Planning Areas
A retirement strategy should connect income, savings and lifestyle.
See the main areas we can help you review as you prepare for retirement and future income.
RRSP & RRIF Planning
Review contribution decisions before retirement and the eventual transition from accumulation to retirement-income withdrawals.
TFSA Strategy
Use available TFSA room as part of flexible, tax-efficient long-term savings and retirement planning.
CPP & OAS
Consider public pension benefits alongside personal and workplace savings when planning retirement income.
Inflation & Longevity
Consider how rising costs and a potentially long retirement may affect the amount of savings and income required.
Estate & Legacy Coordination
Coordinate financial planning with estate, beneficiary and legal decisions where appropriate.
Planning Over Time
Retirement planning changes as retirement gets closer.
Accumulation Years
Focus on consistent savings, appropriate investment risk, registered-plan contribution room and long-term growth.
Pre-Retirement
Refine spending estimates, expected retirement date, pension decisions and the transition from saving to income.
Retirement Years
Monitor withdrawals, taxes, investment risk, cash flow and changing lifestyle or estate priorities.
A confident retirement starts with a clear plan.
Let’s look at the income, savings and decisions that will shape your retirement.