When it comes to retirement planning, you need to be honest with yourself about your future. Going beyond a hard look at your income and expenses, we need to look at your overall goals. Financial freedom is great, but what are you really going to do with it? Even before you come by for a consultation, perhaps consider these questions to figure out what you really want.

Between now and your retirement, what are your major anticipated expenses?

If you own your own home, it was probably the single biggest purchase of your life – but it probably won’t be the last. Renovations on your property, tuition for yourself or your children, vehicle financing, wedding celebrations, medical or legal expenses – the list goes on. There are some expenses you can’t plan for, but most of the time, we know well in advance what they are. We can help you plan for them, too.

Do you have a business and is it part of your retirement plan?

Beyond the salary you pay yourself, are you putting money into your company? Are you using your company’s assets to benefit you in the most optimal way? Do you have a plan for how this business will continue to operate after you retire? Are you making the most of tax-deferred savings to maximize the real return you’re getting from your business, without handing over the lion’s share to the government?

Do you have insurance?

And if the answer is ‘yes’, do you have the right insurance? This is an important part of your overall financial plan. Life insurance, critical illness insurance and other products help you hedge your bets against the unforeseen events that can impact anyone.

We help you understand not just how much you need to retire, but how to get there – and how to mitigate the risk of adverse events impacting your dreams. Schedule a consultation today and let’s start planning for your future.