CPP, Pensions and RRIFS, oh my.
Worried about running out of money? Concerned about the performance of your accounts? Sending a huge cheque to the CRA every year?
Whether you are close to retirement or already retired, we can help you get better returns on your investments, manage your tax liability, maximize government incentives and protect your lifestyle today and to age 105.
By delaying CPP and OAS to age 70, you can increase your retirement benefits by about 40%!
We’ll analyze your situation for opportunities to delay benefits, reduce or eliminate OAS clawback and secure your future income.
In some cases, consolidating pension plans could produce better returns and increase your retirement income.
We’ll do a deep dive into your pension plans performance and show you all of your options.
Maximizing RRSP contributions may not make sense if your income in retirement will be higher than pre-retirement. We’ll provide projections on your estimated retirement income and give a yay or nay on RRSP deposits.
We’ll make sure your RRIF will last well into old age and will be passed down to whomever you wish.
Like many Canadians, most of your wealth is tied up in your house. If you’re considering downsizing, what do you do with the surplus cash?
Investing the proceeds to create a dividend income stream could provide you with more flexibility and 24/7 access to your money.
We’ll help you manage your estate tax with the cottage, rentals or other real estate investments.
Did you know that you can get tax deferred distributions from mutual funds?
We’ll recommend a portfolio that will grow and provide you an income stream every year. We’ll structure them in the most tax efficient way possible.
Borrowing against your life policy can maintain it’s value while giving tax efficient access to your wealth. Use the money for income, a renovation, dream vacation or anything else.
We’ll make sure there’s enough left to cover your estate taxes or pass it down to the kids.
