RETIREMENT PLANNING

Retirement planning involves developing a financial strategy to maintain your desired lifestyle and cover expenses after retirement. We’ll assess your retirement income sources, estimate costs, optimize savings, and create a plan to manage assets during retirement.

What We Offer?

Our comprehensive financial planning process is uniquely tailored to meet the needs of Canadian retirees during this pivotal stage of life. We begin by assessing your retirement income sources, including CPP/OAS benefits, pensions, and retirement savings. Leveraging sophisticated financial planning tools, we create a customized retirement income strategy to ensure you have a reliable stream of income to support your desired lifestyle throughout retirement.

Additionally, we assist with estate planning to help protect and transfer your assets efficiently to your beneficiaries, ensuring your legacy is preserved for future generations. We aim to empower you to enjoy a fulfilling and financially secure retirement in Canada through ongoing guidance and support.

Estate Planning

Good estate planning secures your family's future. We'll work together to cut estate taxes, shield assets, and pass wealth to the next generation. We aim to protect your legacy and give you and your loved ones peace of mind.

Retirement Income Planning

We ensure you have a reliable income in retirement. By examining your income sources and making a personalized plan, we aim to give you the money you need for expenses and the lifestyle you want. This helps you avoid running out of money and lets you enjoy retirement with confidence.

Tax Minimization

We use strategies to pay less tax in retirement, such as withdrawing money wisely from retirement accounts, choosing tax-friendly investments, and exploring other tax-saving ideas. By carefully managing your income, deductions, and credits, we aim to lower your overall tax bill. This way, you keep more of your savings for yourself.

How Retirement Planning Can Help You

Peace of Mind

By ensuring a sustainable income stream, we’ll allow you to enjoy your retirement years without financial worries.

Financial Security

We aim to provide you with long-term financial security, safeguarding your assets and ensuring a smooth wealth transition to the next generation.

Goal Achievement

We empower you to achieve your retirement goals and maintain your desired lifestyle, free from financial constraints.

TRUSTED BY

Contact Us to Learn More About Retirement Planning

Discover peace of mind with our personalized retirement planning services. Schedule a free consultation today to secure your future. 

What Our Clients Are Saying

  • "Stephen Roos and his Team have been our trusted financial partners since 2007. More recently we have been in the most capable hands of Ashley Cyr. She is extremely professional, knowledgeable and provides us with well thought out recommendations and helpful guidance. But no team is complete without outstanding support - thank you Erika! We would not hesitate for a moment to recommend this team."

    -Marilyn

  • “Working with the entire Stephen Roos Team has always been an absolute pleasure. I have been a client for several years, and the service has been consistently superior. I deal primarily with Ashley Cyr, and she truly excels at what she does. The financial knowledge and guidance is also always delivered in the most professional and friendly way possible. Would certainly recommend this entire team.”

    -C.K.