FINANCIAL CLARITY
Spend time enjoying what you love most knowing you have financial clarity.
PEACE OF MIND
Know that your finances and loved ones are taken care of.
PROACTIVE
Always looking out for your best interests with independent unbiased advice.
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Do you have enough for retirement?
You want to know you’ll have enough money for your retirement years and think you could benefit from the advice of a professional. But you’re worried that if you do get advice, you may end up getting sold a bunch of financial products or investments that aren’t right for you
So how do you choose an advisor that’s right for you? We’re here to help you with that!
Would it be valuable to get clarity around your goals for the future and put it on paper?
What do I need to know when selecting a financial advisor?
When selecting a financial advisor, the first thing you need to do is determine what kind of advisor you’re looking for.
- If you want advice solely on setting up an investment portfolio, then a general investment advisor may be fine for you. They focus on making your money grow and don’t provide advice on any other financial matters.
- If you’re looking for more tailored advice, you need to find a financial advisor with an appropriate area of specialization. This is particularly important if you want to plan for your retirement years, as you’ll need an advisor who can help you prepare for your overall financial future.
Your Retirement Plan
With your own personalized Retirement Plan, you’ll have a consolidated summary of your entire financial life with step-by-step support at your fingertips. A Retirement Plan for retirees is key to keeping you informed, engage, and motivated about your financial future!
For illustration purposes only, intended for Mercator Financial Inc. clients.
Would it be valuable to have a coordinated professional to help you in all areas of your financial life?
What are my options for managing my money?
It can be a little overwhelming trying to figure out the best way to manage your money. These are three of the most common ways to manage your money:
- You can work with an advisor at your bank. They can set up investment accounts for you and sell you investments that the bank offers.
- You can set up an account with your bank’s online discount brokerage and pick your own investments. This means you do more of the work yourself and your own research.
- You can work with an advisory firm that provides end-to-end financial planning and investment management. You will receive comprehensive financial and tax planning advice that’s tailored to your situation.
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Would it be valuable to understand the total cost of what you are paying, what you get for your fees and what you don’t get?
What kind of investment services do you offer?
Our goal isn’t just to get your money invested appropriately; we want to make sure you’re confident in your overall financial future.
When we meet with you, we’ll learn about your values and goals, and then we’ll review your financial situation to help you understand how you can achieve those goals!
Retirement Planning including Retirement Transition Planning
Tax and Estate Planning
Income strategies and cash flow planning
Asset Protection Planning
Ready to get started?
If you’re currently retired or will be retired soon, we’d love to meet with you! Please use our calendar to book a meeting with us.
We can help take the worry out of retirement by answering questions you may have, such as:
- How much should I be saving for retirement now?
- What is the opportune time to commence receiving benefits from the Canada Pension Plan (CPP)?
- What is the potential duration of my financial resources, and what would be a reasonable annual spending limit?
- What strategies can be explored to safeguard against the clawback of my Old Age Security (OAS) benefits?
- What are the available options for withdrawing funds in retirement to optimize the tax efficiency of my income?
We are committed to optimizing your investment portfolio, ensuring a cash flow that is both sustainable and tax-efficient, contributing to a comfortable retirement. Book a meeting with us today!