Financial planning


Retirement is the last third of your life.  That’s a lot of years, and you have to plan for them.

Have you ever thought about how you will spend these years, and how you will finance them? Have you thought about the age when you will be able to retire comfortably? Where will your income come from?

Retirement for individuals

The financial planner has an excellent knowledge of the structure of the pension system in Canada. This system provides for minimum benefits for pensioners. It leaves the responsibility to employers and, above all, to individuals to save enough to live retirement in the desired comfort, with the only support being various tax measures to encourage retirement savings.

REER (Régime enregistré d’épargne-retraite)

The Registered Retirement Savings Plan, also known as rrsPs, is a great tool to help you contribute to your retirement. The RRSP can have a significant tax advantage. The deductible RRSP contribution can be used to reduce your tax. They can therefore also be used as a tax deduction.

CELI (Compte d’épargne libre d’impôt)

The Tax-Free Savings Account (TFSA) is a way to save tax-free and prepare an emergency fund. Our expertise in financial planning can help you better enjoy your retirement when the time comes, through different levers.

Décaissement à la retraite

Planico also assists you in finding the right disbursement strategy. By taking into account your pension fund, Planico helps you build a tailor-made disbursement solution.


The Québec Pension Plan (QPP) and the Old Age Security Program (OAS) are additional contributions that our financial planning experience can help you optimize. Even if the amounts of this aid are sometimes not always very high, we do not neglect it.

Start planning for retirement now.

Schedule a call to discuss your goals and determine the best investments to get there.


Retirement for a Business Owner

The Registered Retirement Savings Plan is not a solution, it is a tool. Rather, the solution is a plan that will determine what you need to do with your money to achieve your retirement goals. No one can know unless you evaluate their plan thoroughly with a competent financial planner.

There are many issues that need to be addressed. For a business owner, who may not have a fixed salary income, our priority is to protect their retirement income, through several strategies. Our financial planning firm Planico can help you maintain a consistent standard of living as you retire.

Setting objectives

We discuss together to determine your projects and goals.

Choice of game plan

With the help of our proposals, you choose the strategy you will follow. 

Portfolio Optimization

We analyze the possibilities of optimizing your portfolio. 


Tax avoidance

In order not to suffer too high a tax burden in retirement, Planico helps you in the establishment of tax exemption and tax reduction solutions.

With our financial services firm, you have a trusted and reliable ally to improve your financial situation at all stages of your professional and retirement life.

Useful retirement links

Regulatory authorities:

Securities regulators such as:

Major financial newspapers:,

Main financial information websites:,,,,,,

Financial calculators:,,

Investia Customer Portal:

Mutual funds and exempt market products

Authorized mutual funds and/or exempt market products are offered through Investia Financial Services Inc. (“Investia”). Mutual funds and exempt market products are sold exclusively by representatives registered with Investia and applicable provincial regulatory authorities.

Investments in mutual funds/exempt market products may incur commissions, trailing commissions, management fees and other fees. Please read the Fund Facts or prospectus carefully before making an investment. Mutual fund investments and exempt market products are not guaranteed, their value changes frequently and past performance is not indicative of future performance.

Segregated funds

Segregated fund products are offered through Investia Financial Services Inc. and/or several general staff.

Subject to any guarantee applicable to the death benefit, any portion of the premium, or any other amount allocated to a segregated fund, is invested at the risk of the policyholder and its value may increase or decrease depending on fluctuations in the market value of the segregated fund’s assets.

So do not hesitate before thinking about making the right choices to plan your retirement and call on our financial services firm to guide you on the situation, today.