Helping you address your retirement planning priorities
There should be no compromise when it comes to your financial future. That’s why we work diligently to serve as the ultimate steward for your wealth, simplifying life’s complexities with a full spectrum of strategies for a tailored plan that we believe is the only one you’ll ever need.
No matter what stage of life you’re in, we can help you pursue independence, freedom and the things that matter most to you. Your journey begins now. Let us help get you on your way.
Now is the time to establish realistic goals for your future, pay down any high-interest debt you may have accrued and establish a budget and savings plan you can stick to. Building up an emergency fund for those “just in case” moments is another smart step to take.
When it comes to your financial future, the most important factor in your favour is your age. We take advantage of the time you have, regularly contributing to tax-advantaged retirement accounts and potentially boosting savings with matching funds offered by your employer.
Your goal should be to begin building up enough assets to provide adequate income to meet your needs throughout retirement – accounting for factors like increased longevity, healthcare costs and inflation. To accomplish this goal, you need a plan. That’s where we can help.
Wherever your work or life leads you, we assist in managing your cash flow and allocating your resources, striving to help you reach both your short- and intermediate-term goals without endangering your long-term plans.
Life has a way of throwing curveballs. As you approach the end of your career, you may have questions about what comes next or if you’re ready emotionally and financially. Together, we uncover the answers, identify and address any concerns you may have, and update your retirement plan to reflect your current wishes.
We start by identifying your short- and long-term goals. When do you want to retire? Where do you want to live? How will you spend your days? Then, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.
If you need to play catchup, we examine the best way to do so by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your pension, CPP/QPP and OAS options with you, so you’ll be ready as soon as you’re eligible.
With the right plan, we bring your vision into sharper focus, so you can enjoy the lifestyle you want and deserve. Keep in mind, though, that the planning doesn’t stop when your paycheques do. It’s a continuous process that goes on all the way through retirement.
We analyze your current situation to help you remain on track to pursue all you’ve envisioned from retirement, identifying sources of income and expenses to create and adhere to a tax-efficient withdrawal strategy. We make the most of your assets and income streams by creating a steady and sustainable income strategy, consolidating accounts, if necessary, to effectively recreate the predictable cash flow of a steady paycheque.
Your needs and wants will change during this time. We reevaluate your plan so you can maintain a clear picture of the kind of lifestyle you desire, reassessing your short- and long-term goals, plus your risk tolerance in retirement. We also make sure you have the proper up-to-date documentation to help ensure your legacy is protected and wishes are respected.
As your life changes, so will your plan. We will regularly review your plan and make adjustments, as needed, along the way.
Investing involves risk and you may incur a profit or loss regardless of strategy selected.
Making the most of a Roth IRA
Protecting your Social Security payout
When markets are down, what should you do about RMDs?
Navigating Medicare [INFOGRAPHIC]
Making the most of Medicare's open enrollment period
- Dividend Value Partners 1175 Douglas Street Suite 1000 Victoria, BC V8W 2E1
- T 250.405.2400
- F 250.405.2499
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Raymond James Ltd. is an indirect wholly-owned subsidiary of Raymond James Financial, Inc.
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Insurance products and services are offered through Raymond James Financial Planning Ltd, which is not a member Canadian Investor Protection Fund.
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