Now is the time to establish realistic goals for your future, pay down any high-interest debt you may have accrued, and establish a budget and savings plan you can stick to. Building up an emergency fund for those “just in case” moments is another smart step to take.

When it comes to your financial future, the most important factor in your favour is your age. We take advantage of the time you have, regularly contributing to tax-advantaged retirement accounts and potentially boosting savings with matching funds offered by your employer.

As you approach the end of your career, you may have questions about what comes next or if you’re ready emotionally and financially. We help by asking the right questions. When do you want to retire? Where do you want to live? How will you spend your days? Then, we estimate income and expenses for the life you’re envisioning, taking into account the unexpected and other obligations so they won’t catch you unprepared.

If you need to play catchup, we examine the best way to do so by making larger contributions to your retirement accounts or possibly cutting back in other areas. We also discuss your pension, CPP/QPP and OAS options with you, so you’ll be ready as soon as you’re eligible.

With the right plan, we bring your vision into sharper focus, so you can enjoy the lifestyle you want and deserve. We make the most of your assets and income streams by building a steady and sustainable income strategy that recreates the predictable cash flow of a steady paycheque. Keep in mind, though, that your needs and wants may change during this time, so the planning doesn’t stop. It’s a continuous process that goes on all the way through retirement.