Retirement Planning:


The retirement planning process looks to determine your retirement goals and the necessary steps to achieve them. Retirement planning includes identifying sources of income, estimating expenses, projecting retirement income needs, implementing a savings program and effectively coordinating your post-retirement income sources by selecting the right retirement account types (RRSP, RRIF, LIRA, LIF).


  • Complete a retirement income needs analysis
  • Review current and expected retirement cash flow sources
  • Help prepare a budget to reach retirement goals
  • Discuss early retirement options
  • Evaluate appropriate retirement strategies
  • Select appropriate investments
  • Develop strategies to minimize taxes and maximize retirement income

CPP Income Planning Guide

The Canada Pension Plan (CPP) is a mandatory contributory retirement plan that provides you with an inflation-indexed retirement pension, generally beginning at age 65. Read more.

Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA)

Two tax-efficient programs that encourage saving for the future.

From a wealth-accumulation perspective, both an RRSP and a TFSA uphold the general idea that the more money you can set aside, the more you’ll have to invest and potentially grow your savings.

Read more