We Can Help
Retirement is here, and the focus shifts from building wealth to making it last. This phase is about creating a sustainable withdrawal plan, optimizing government benefits, and ensuring your estate and legacy wishes are in place. It’s also a time to navigate health changes, potential downsizing, and charitable giving in a way that aligns with your values and financial security.
Focus Areas:
- Shifting to Spending Mode – Managing withdrawals while maintaining financial stability.
- Ensuring You Don’t Outlive Your Money – Creating a long-term plan for sustainable income.
- Estate and Legacy Planning – Structuring inheritances, charitable giving, and beneficiary designations.
How We Help:
- Building a Cash Reserve & Reducing Risk – Ensuring liquidity while managing market exposure.
- Tax-Efficient Withdrawals – Structuring income sources to minimize tax burdens.
- Beneficiary Audits – Reviewing estate plans to ensure they reflect your wishes.
- Collaboration with External Professionals – Working with estate lawyers, accountants, and other specialists to cover all aspects of your plan.
Common Questions:
- Should I downsize or relocate?
- Do I still need my life insurance?
- What government benefits am I eligible for?
- How can I leave a meaningful legacy or make charitable gifts?
Common Barriers:
- Declining health or limited mobility, making financial management more complex.
- Adjusting to a fixed income and drawing down assets.
Life Transitions We Navigate Together
- Downsizing or Relocating – Evaluating housing options and financial considerations.
- Moving into Long-Term Care – Planning for healthcare needs and related expenses.
- Managing Health Challenges – Adjusting plans to accommodate new realities.
- Gift Giving – Structuring gifts to family or charities in a tax-efficient way.
What to Expect in a Meeting
- Reviewing Insurance Needs – Determining if policies are still necessary or need adjustments.
- Estate and Legacy Planning – Ensuring beneficiaries, wills, and charitable wishes are up to date.
- Withdrawal and Investment Review – Managing income sources for sustainability and flexibility.
- Optimizing Taxes and Benefits – Ensuring you maximize available government programs and tax strategies.
Let’s work together
Book Appointment
