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The Importance of a Written Retirement Plan

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The Importance of a Written Retirement Plan

Professional advice to help you plan, invest, and savefor your retirement goals.

It's never too early—or too late—to start planning for retirement. The sooner you get started, the better. We can help you formulate a detailed plan to retire by design.

Start planning
Shawn Bellefeuille HeadshotGabriella Headshot

You'll be talking with our professional advisors with expertise in retirement.

There are many financial products and investment options, and choosing the ones that best meet your retirement needs can be complicated.

We want you to understand our process and the financial products you are investing in. Together, we will make informed decisions about the financial products that are best for your retirement goals.

Investments

Investments play a key role in your financial security plan. A mix of registered and non-registered savings, income and pension plans can help achieve short and long-term goals.

Insurance

Insurance is an essential component to any comprehensive financial security plan. If tragic events like death, disability or critical illness occur, insurance can protect you and your family from undue hardship.

Retirement Planning

There is a lifetime after retirement and the need to be able to provide a steady stream of income that cannot be outlived is essential. With the prospect of paying for retirement needs for as many as 20 years, retirees need to be concerned with maintaining their cost-of-living.

Managing your finances

Managing your finances is an important component to any financial security plan. Along with the protection offered through insurance and the goal setting provided by investment choices, money management strategies help you manage your savings on a daily basis.

Asset allocation

All investments involve some sort of risk, whether it’s market risk, interest risk, inflation risk, liquidity risk, or tax risk. An individualized asset allocation strategy seeks to mitigate the risks of any one asset class through diversification and balance.

Business succession planning

The death of a partner or major stockholder in a business can have devastating effects on both the business and the deceased partner’s surviving family. Business succession planning involves legal, tax and personal financial issues. Guidance from a qualified attorney or tax professional is strongly recommended.

Charitable giving

By using charitable gifting techniques, a donor may be able to benefit the charity while living without having to sacrifice the income that an asset can generate. Understanding how properly structured charitable gifts can provide current benefits for both the donor and the charity could be important for the charitably inclined.

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