Your Retirement

After years of living the “rat race”, you are looking forward to the day when you can start living on your own schedule. Being a good employee is important, but eventually you will arrive at the day when you are the boss. But do you have enough assets to enjoy your preferred lifestyle? When considering a proper retirement plan in Woodstock it is critical to think about the three phases of retirement planning.

Accumulation

A good retirement plan starts on your first day in the working world. This is the accumulation phase. The earlier you can start saving, the more your money will have a chance to compound throughout the years. However, most young people don’t have huge incomes, so this is a challenge.

Pre-Retirement

Ironically, you make the most amount of money just before you retire, so there is less of a chance for it to have time to compound. But don’t let this discourage you.

Retirement

At this point, you will be concerned with income and wealth preservation. Growth will take a backseat so you can focus on paying the bills with the proceeds from your nest egg.

With careful planning, you can make sure your money outlasts you. There are many different options available: RRSPs, TFSAs, CPP, annuities, investment funds and more. All of these things exist to help you grow your assets so you can invest in your future.

But how can you choose which investments are right for you? That’s where an experienced financial advisor can help. An advisor can help you sort through your priorities, goals, and risk tolerance levels so you can make the decision that is the best one for you.

Like a tour guide in a foreign country, a financial advisor in Woodstock can guide you through the world of finance to make sure you have the best retirement experience possible.

Retirement Plan

For most Canadians, retirement is a major financial goal that requires considerable financial commitment. 49% of Canadians hope to retire before the age of 60.* Whether you have already established a...

Read more

Estate Planning

Many people assume that estate planning is only for the wealthy. So, it must come as a shock to the families of all the Canadians who die every year without a will when the province takes control of the estate to decide how...

Read more

Will

A will is a written document, properly signed, which: (1)specifies who is to administer the estate (the executor), (2) specifies what is to happen with the assets and liabilities of the estate, (3) specifies certain other...

Read more

LIF

A Life Income Fund (LIF) is a retirement income plan using locked-in pension money and the owner of the LIF can control the investments held within the fund. In addition to the requirement for a minimum annual withdrawal (like a RRIF), LIFs also...

Read more

LIRA

The Locked-In Retirement Account (LIRA) and Locked-In Retirement Savings Plan (LRSP) enable you, as an employee to maintain the tax-deferred status of pension plan proceeds received when you leave a company. LIRA's lock in your money, but not...

Read more

RRSP

A Registered Retirement Savings Plan is a retirement plan that is registered with the federal government and that you or your spouse or common-law partner can establish and contribute into until...

Read more

RRIF

A Register Retirement Income Fund is an investment plan, established in accordance with Government of Canada requirements, into which you can transfer registered funds (usually your RRSP) without....

Read more

TFSA

The Tax Free Savings Account is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for....

More Info

Annuities

Annuities are one of the simplest investment vehicles one could acquire. Simply put, when you establish an annuity, you are purchasing a lifetime income. Examples of annuities are, Canada Pension Plan...

Read more


Insurance products are provided through multiple insurance carriers.

About Us

We serve individuals, families and businesses in the Woodstock area.

Our primary goal is to help each client meet their unique financial goals by focusing on six key areas of needs analysis:

We are never satisfied until you are.