HOW DOES RETIREMENT INCOME PLANNING WORK?

Real financial guidance to achieve your goals. You are not alone, we are here to answer your questions and be your resource.

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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Can you afford retirement?

 

Looking forward to a relaxing and enjoyable retirement but unsure how much you can afford to spend each year without running out of money? Perhaps you’ve already talked to your advisor or financial institution about your concerns, but you don’t feel like you’re getting the answers you need from them.

If this sounds like you, then the retirement income planning that Mercator Financial can offer you is what you’re looking for may be just the service you’re looking for! With Mercator Financial and our financial retirement planning, you get a detailed retirement income plan from an unbiased professional – so all you have to do is relax and enjoy your retirement!

  • How much income you’ll need during your retirement years.
  • How to withdraw your income in a tax-efficient manner.
  • What the best investment strategies are for you.

Are your Finances Organized? 

 

Would it be valuable to get organized in all 7 areas?

  • Tax
  • Estate
  • Risk
  • Investments
  • Insurance
  • Debts/Cash Flow

 

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We can get your Finances in Order

 

It’s essential to approach your retirement years feeling secure in your finances. During our planning process, we’ll discuss with you:

  • How to spend sustainably during retirement.
  • The amount of savings you’ll need to have in conservative, easy-to-access investments.
  • The best way to draw income in a tax-efficient manner.
  • How to coordinate all your sources of income – both from business (e.g., stock options or retirement allowances) and personal (e.g., RRSPs, TFSAs, and CPP) sources.
  • What types of insurance you’ll need, such as health, travel and life insurance.
  • The best way to set up your estate.

Our goal is to make sure you retire with a solid financial plan in place. In addition, we’ll work to ensure you don’t miss out on any time-sensitive opportunities and can enjoy your ideal lifestyle – whether that’s going somewhere warm every winter or just having more time to spend with friends and family!

Would it be valuable to get clarity around your goals for the future and put it on paper?

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!

Getting Started With Retirement Planning

 

You’ve worked hard, and you want to spend your retirement years living a fulfilling life and achieving your goals. So now’s the time to focus on your dreams – whether that’s travel, volunteering, or opening your own business.

So what we need you to do before you come to us and think about these three things:

  • First, what matters most to you?
  • Second, what are your retirement goals?
  • Third, what are your most cherished values?

Once you know the answers to these questions, we can help you plan for your dream retirement!

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Do you have Financial Clarity?

Ready to get started?

If you like the sound of what you’ve read so far, then the next step is to book a meeting with us. During the planning process, you’ll have a total of three meetings.

 

Discovery Meeting

During our first meeting, we’ll lay out your financial road map. We’ll discuss:

  • How you picture your retirement. We want to know your goals and values – what’s important to you during your retirement years.
  • Your current financial position. We’ll look at the current state of your finances and talk to you about what kind of steps you’ll need to take to reach your goals.

Ready to get started? Book a meeting with us now. We’ll let you know ahead of time any questions you need to answer and what kind of financial paperwork to bring with you.

Your Customized Financial Road Map

A week after our initial meeting with you, we’ll have another appointment to discuss your proposed retirement income plan. We’ll answer your most pressing questions, including:

  • What kind of sustainable income (CPP, OAS) can you count on during your retirement years.
  • The best method for withdrawing money to minimize the amount of taxes you’ll pay.
  • How your portfolio will be set up, and what rate of return you’ll need to get the income flow you want.
  • What types of insurance you should get: life, health and travel.
  • What kind of estate you can anticipate leaving.

We’ll walk you through all the steps you’ll need to take to implement your retirement income plan.

 

Implementation Meeting

A few weeks after meeting number 2, we’ll meet with you again to get your feedback on our suggestions, adjust as necessary, and put together a final draft of your plan. Once all of this is done, we’ll be ready to put your plan into action!

At this stage, you can let us know if you’d like to delegate any of the responsibilities of implementing your plan to us. You can do this by selecting to continue working with us and taking advantage of our full-service investment management and tax planning services.

Schedule an appointment with us today!

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