Helping you have a better retirement
Retirement Planning in Kingston, Ontario
Retirement Planning for Families
Retirement Planning for Business Owners
Retirement Planning for Multiple Generations

You are able to save, but you’re not sure where to save it to give you maximum benefit. What type of tax shelter(s) should you be utilizing?

No two people are exactly the same. A “cookie-cutter” approach is not your best option. A customized solution built specifically for you by an experienced financial planner can grow your savings at an accelerated rate, whether these savings are for your retirement or a major purchase in the next several years.

An effective Financial Plan will do more than simply help you accumulate savings — it will also protect your income and your savings to ensure that you reach your financial goals. Tax strategies put into place now can have significant benefits later in life.

Retirement is getting closer

With five to ten years left before you plan to retire, an experienced and skilled financial planner can make a substantial improvement to what you would otherwise have available.

Effective financial planning today, including establishing tax shelters now for use at, or after, retirement can dramatically increase what is available to you in retirement, in part by reducing the taxes you pay every year.

How much do you need to save to give you the income in retirement that you would like? A customized financial plan will give you the answers that you’re looking for. Retirement should not be a DYI project — a spreadsheet can only tell you so much.

I am Retired

Congratulations! You worked hard to get here and you want to utilize your retirement savings as effectively as possible. An experienced financial planner can help.

What is the most tax-efficient method to access your retirement savings? Every situation is unique and requires a customized approach in order to minimize losses due to income tax.

Hint: for most people, waiting until age 71 to access your RRSP is the least effective method.

A customized Retirement Tax Optimization plan (RTO plan) can bring you the clarity you’re looking for while potentially saving you hundreds of thousands of dollars in taxes over the course of your retirement.

Helping you have a better retirement

Retirement Planning Services in Kingston, Ontario

Everyone retires eventually.

No two people are the same, no two financial plans should be the same, and your financial advisor needs to recognize this. Your situation is unique, and your financial plan should reflect this. Your financial plan is, after all, about you — not the company that you are dealing with. It should also have the ability to evolve to reflect changes in your life as they occur, and your financial advisor should be available to you on a consistent and regular basis to keep it updated.

We do not use the “cookie-cutter” approach of a typical investment advisor who places people into one of a small selection of prefabricated plans developed by someone else who has never even met you. It is an ongoing process that is fully customized to you, takes time to develop to maturity, and needs to be updated on a regular basis. Your life does not always go according to plan and your financial plan needs to keep up with you — not the other way around.

Our office is inside the Empire Tower building at the corner of Gardiners Road and Fortune Crescent (just south of the Invista Centre multi-use sports arena owned by the City of Kingston).

As experienced financial planners based in Kingston, Ontario, we would be happy to show you how a customized financial plan can make a significant difference to you and your family. Contact us today to arrange for a no-cost preliminary evaluation.

Learn how we can help you