Retirement Planning
Choosing a career is one of life’s most important decisions - it's how you provide for yourself and your family and shape the life you want to lead. But what happens when that chapter draws to a close? Retirement planning is a vital part of your overall financial strategy. It ensures that when you no longer rely on a paycheck, you can continue to live with confidence, independence, and peace of mind.
Why Retirement Planning is Important
Retirement planning is essential because it ensures that your financial future is secure long after your working years are over. Without a clear plan, you risk outliving your savings or compromising your lifestyle. As financial advisors, we help you take control of your future by building a strategy that aligns with your goals, accounts for inflation and healthcare costs, and provides peace of mind so you can retire with confidence and enjoy the life you’ve worked hard to achieve.
How We Can Help
Our Retirement Planning service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure your “life after work” is as well-planned as your life prior to retirement.
Here’s what we do for you as part of our Retirement Planning service:
- Your personalized retirement planning strategy: Our approach is built around four core pillars: 1) Strategic planning to help you achieve your financial goals prior to retirement, 2) Ensuring a reliable and sustainable income throughout retirement, 3) Implementing safeguards to protect your assets and financial security against unforeseen events, and 4) Developing a thoughtful legacy plan to preserve and transfer wealth according to your wishes
- Understanding your goals: Through an intensely personalized approach, we understand what your retirement goals are.
- Analyzing where you are at: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.
- Developing the plan: All those questions running through your mind – are we spending too much? Are we saving enough? Are we investing in the right places? We’ll work with you to create a retirement plan that addresses those questions. When we’re done, you’ll not only know what kind of income you need to fund your retirement lifestyle, and what your investments will generate, but you’ll also know how to bridge the shortfall – if any.
- Implementing the plan: As you move closer to retirement, we’ll work closely with you to ensure the plans are implemented in a phased and orderly manner. The goal of our Retirement Planning approach is to make transitioning into retirement as seamless and stress-free as possible.
- Advising and supporting decisions you make on pensions and benefits: Our retirement planning professionals will be right there when you need them, with help and advice on government and employer pensions and benefits. Should you apply – and when – and what to do with those funds.
- Looking out for you in retirement and beyond: Living a long, fulfilling retirement means thinking beyond just income. From healthcare and risk management to charitable giving and legacy planning, we’re here to help with every step. Whenever you need guidance, you can count on our team to provide clear, thoughtful advice tailored to your life.
- Ongoing reviews: Our Retirement Planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans and consult with you about any changes or updates needed to address your evolving retirement lifestyle needs.