Individual Financial Plan

For individuals looking to build a clear Retirement Estate plan

Our Individual Plan Includes:

• A clear plan to maximize cashflow while minimizing risk without giving up growth throughout retirement.
• Comprehensive retirement cashflow plan.
• Knowledge when to take Social Security.
• Planning for long-term care, age-in-place and other medical expenses.
• An estate plan and on death tax bill reduction.
• An 'optimal' retirement scenario using our risk-managed investment options
• Tax management around investment accumulation and decumulation to compliment both the estate and retirement plan.
• We help you transition from paycheck to 'playcheck.'
• Defined Benefit Pension planning - a plan for what to do if you commute your pension.
• An ideal spending plan built around your go go, slow go and no go stages of retirement.

Household Financial Plan

For households looking to build a clear Retirement Estate plan

Our Household Plan Includes:

• Everything in the Individual Financial Plan, plus...
• Spousal income splitting optimization.
• Registered account withdrawals taking into consideration moving parts from both spouses.
• The ideal Social Security timing that compliments both spouses within the planning.
• Household Investments Income strategies.
• Stress tests to ensure longevity of the plan if one spouse/partner passes early.
• Leveling of average tax rates between the spouses to ensure optimal tax efficiency.