Tag Archives: retirement income planning specialists

Are excess savings in RRSPs going to create a problem for you in the future? In our practice, we quite typically see retirees in receipt of pension incomes, CPP, OAS, — often doubled up in a household — whose core … Continue reading

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This is continued from our previous blog post on June 10th. 4.   If the equity selections provide investment returns that will allow you to take profits and replenish the Cash Wedge, it may make sense to renew the GICs … Continue reading

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Based on early research of actual stock market returns and retirement scenarios over the past 75 years, it was found that retirees who draw down no more than 4.2 per cent of their portfolio in the initial year and adjust … Continue reading

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Don’t make the decision to retire without knowing that you have the assets you need to fund the lifestyle you seek. This is one of the prime functions of your blueprint. It can help you determine if it is feasible to do … Continue reading

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Why didn’t this retirement thing seem so tough for Mom and Dad? Was there something that they should have told us that they didn’t? We Baby Boomers are supposed to be the advanced generation with new ideas and the ones … Continue reading

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Everyday, we hear comments from frustrated consumers who are looking for an advisor who is proficient in the area of retirement income planning.  Remember – and this is critical – I am not referring here to ‘retirement planning’, which many … Continue reading

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We learned with the last blog that the best idea is to consolidate all of yours and your partner’s assets under one advisor. Making best use of your income goes hand in hand with making the best use of your … Continue reading

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I refer to “consolidation” as the coordination of all your planning activities with one person or institution. Asset building happens in several different places with many different advisors. However, when the time comes to withdraw retirement income from those assets, … Continue reading

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As in Part I, the retirement income specialist is the architect of your personal retirement income blueprint. Now, who is your contractor? This is the person who oversees the investments that create income from your assets. It should be the … Continue reading

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You need both an architect to create your plan and a contractor to implement it. Who is the architect? Your advisor. When speaking about retirement, a LIMRA report stated, “people need advice from a knowledgeable professional more at this point … Continue reading

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