Retirement Planning


Retirement planning is a multi-step process that evolves. To have a comfortable, secure, and fun retirement, you need to build the financial cushion that will fund it all. A well-rounded plan usually consists of several factors which include tax planning, investment planning, and risk management so that today’s input will generate the income you expect in the future. To summarize you will have the following advantages by working with us:


​- Understand all your retirement income sources including government/company benefit, investment, and any other sources.

- Understand your desired retirement income objective and the means to achieve it.

- Increased overall portfolio rate of return.

- Less tax paid.

- Peace of mind that you are fully protected under all scenarios.

To see how we do it step by step, please see Our Process​.

What Is Retirement Planning?

Retirement planning is the process of determining retirement income goals and the actions and decisions necessary to achieve those goals. It consists of the following factors:


Benefit Projection:

This is to help you understand and project benefit receivables after your retirement, such as Old Age Security (OAS), Canadian Pension Plan (CPP), Company Defined Benefit Plan​, and any other possible benefits based on your income and other aspects.

Investment Optimization: 

This is to maximize your rate of return based on your retirement income objective, time horizon, and other aspects. A well-designed portfolio of investments (Equity, Fixed-income, Real Estate, and other Alternative Investment) is the best way to make it happen. According to the statistics, the earlier you plan the better results you will get.

Tax Minimization:

This is to minimize your tax by examining the current holding of your portfolio and allocate them into tax-sheltered investment vehicles such as Registered Retirement Savings Plan(RRSP), and Tax-free Savings Account (TFSA) accordingly.  Additionally, other possible tax deduction strategies may be identified in this section depending on your financial status and may involve professional accountants to achieve it.  

Risk Management:

A well-rounded protection plan lets you enjoy your life worry-free knowing that your retirement plan will be carried out no matter what. It consists of a combination of 4 products: Disability, Critical Illness, Life, and Travel Insurance.