It's a fact. Public pension plans will not provide an adequate income for your retirement. Private pensions will supplement this deficiency, but often fall short of your needs. Most Canadians must increase these pensions with private savings.

Pre-retirement planning is the first step to secure a reasonable standard of living during your "golden years." We can help you forecast your income needs at retirement. Once we identify your potential sources of retirement income we can project how much money you should be saving to achieve your desired retirement lifestyle.

You will be shown how to integrate your personal savings with public and private pension plans. Our strategy integrates your existing pension, if applicable, and includes the use of Registered Retirement Saving Plans (RRSPs) and Non-Registered Saving Plans.

Once retired, you will want to convert your savings into an income stream. We will show you how to make the most tax efficient use of various financial products including Annuities and Registered Retirement Income Funds (RRIFs) and systematic withdrawals from your personal savings.