{"id":4877,"date":"2024-11-19T15:27:02","date_gmt":"2024-11-19T20:27:02","guid":{"rendered":"https:\/\/planico.ca\/planifier-sa-retraite\/"},"modified":"2025-01-30T13:36:22","modified_gmt":"2025-01-30T18:36:22","slug":"retirement-planning","status":"publish","type":"page","link":"https:\/\/planico.ca\/en\/retirement-planning\/","title":{"rendered":"Retirement"},"content":{"rendered":"

Retirement Planning<\/h1><\/h1><\/div>

Discover Our Comprehensive Retirement Planning Know-How.<\/h2><\/h2><\/div><\/div><\/div><\/div><\/div>
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Retirement Planning<\/strong><\/p>\n<\/div><\/div><\/div><\/div>

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The Key to Successful Retirement Planning is to Surround Yourself With the Right People<\/h3><\/div>

Retirement represents the last third of your life. That’s a lot of years, and they need to be planned for.<\/p>\n

Have you thought about how you’ll spend those years, and how you’ll finance them? Have you thought about the age at which you’ll be able to retire comfortably? Where will your income come from?<\/p>\n<\/div>

Contact Us<\/span>Contact Us<\/span><\/div><\/a><\/div>

Discover Our Fields of Expertise >>><\/strong><\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><\/div>

Retirement Planning for Individuals<\/h3><\/h3><\/div>

The financial planner<\/a> has an excellent understanding of the structure of the Canadian pension system. This system provides minimum benefits for retirees. It leaves it up to employers and, above all, to individuals to save enough to live out their retirement in the comfort they desire, supported only by various tax measures to encourage retirement savings.<\/span><\/p>\n<\/div><\/div><\/div>

Making Your Money Grow<\/span><\/h4><\/h4><\/div>
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<\/i><\/i><\/span>RRSPs & TFSAs<\/span><\/a><\/h4><\/div>
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RRSPs & TFSAs<\/h4>\n

To help you enjoy a prosperous and fulfilling retirement, there are a number of ways to safely invest your savings, including Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs), each with their own advantages and disadvantages, depending on your goals.<\/p>\n

Together we’ll be able to tailor a strategy to your goals and determine which program is best suited to you and your objectives.<\/p>\n

Together we’ll be able to establish a plan tailored to your situation and objectives.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Annuities<\/span><\/a><\/h4><\/div>
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Annuities<\/h4>\n

Several types of annuity are available, depending on your situation and needs. Annuities are a financial product that provides a guaranteed regular income, so they can be a valuable addition to your retirement plan. It’s important to consider it for your retirement.<\/p>\n

Since there are many different types of annuity, each with its own options, benefits and risks, we take the time to analyze your situation and tailor a strategy that’s right for you, so you can enjoy a secure retirement with peace of mind.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Pension Plans<\/span><\/a><\/h4><\/div>
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Pension Plans<\/h4>\n

Do you benefit from an employer-sponsored pension plan? There are many different types of plan, each with its own tax benefits.<\/p>\n

With a thorough analysis of your plan, you’ll be able to maximize the benefits of your pension plan to ensure a prosperous and fulfilling retirement.<\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>QPP & OAS<\/span><\/a><\/h4><\/div>
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QPP & OAS<\/h4>\n

When you retire, there are several government programs that can give you financial support, such as the Quebec Pension Plan (QPP) or the Old Age Security Program (OAS), but sometimes these programs can be insufficient.<\/p>\n

As this is an amount to which you are entitled, we will be able to take it into consideration when planning your retirement, to ensure you enjoy a peaceful and fulfilling retirement.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>

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Retirement Planning for a Business Owner<\/h3><\/h3><\/div>

A registered retirement savings plan is not a solution, it’s 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 they evaluate their plan in depth with a competent financial planner.<\/p>\n

Many questions need to be addressed. For a business owner who may not have a fixed salary income, our priority is to protect your retirement income, through a number of strategies. Our Planico financial planning firm can help you maintain a consistent standard of living as you move into retirement.<\/p>\n<\/div><\/div><\/div>

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Setting Objectives
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We\u2019ll discuss your plans and objectives with you.<\/p>\n<\/div><\/div><\/div>

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Choosing the Game Plan
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With the help of our proposals, you can choose the strategy you\u2019d like to follow.<\/p>\n<\/div><\/div><\/div>

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Portfolio Optimization
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We analyze the possibilities for optimizing your portfolio.<\/p>\n<\/div><\/div><\/div>

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Tax Optimization for Retirement Planning<\/h3><\/h3><\/div>

Planico can help you avoid excessive tax burdens in retirement, by helping you to set up tax-relief and tax-cutting solutions. With our financial services firm, you have a trusted and reliable ally to help you improve your financial situation at every stage of your working and retirement life.<\/p>\n<\/div><\/div><\/div>

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Start Planning Your Retirement Today<\/h3><\/h3><\/div>

Schedule a call to discuss your goals<\/span>
\nand determine the best investments to achieve them.<\/span><\/p>\n<\/div>

Contact Us<\/span><\/a><\/div><\/div><\/div><\/div><\/div>
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Useful links<\/h3>\n<\/div>\n<\/div>\n
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Regulatory authorities<\/h4>\n

www.mfda.ca<\/a><\/p>\n

Securities regulators such as<\/h4>\n

www.osc.gov.on.ca<\/a><\/p>\n

Major financial newspapers<\/h4>\n

www.globefund.com<\/a>,
\nwww.globeadvisor.com<\/a><\/p>\n

Main financial information websites<\/h4>\n

www.reuters.com<\/a>,
\nwww.bloomberg.com<\/a>,
\nwww.morningstar.ca<\/a>,
\nwww.fundlibrary.com<\/a>,
\nwww.ific.ca<\/a>,
\nwww.ifse.ca<\/a>,
\nwww.csi.ca<\/a><\/p>\n

Financial calculators<\/h4>\n

https:\/\/www.mackenzieinvestments.com\/en?userRole=advisor<\/a><\/p>\n

http:\/\/finance.yahoo.com\/calculator\/index<\/a>,
\nhttp:\/\/www.bloomberg.com\/invest\/calculators\/index.html<\/a><\/p>\n

Investia Customer Portal<\/h4>\n

https:\/\/client.investia.ca<\/a><\/p>\n

Mutual funds and exempt market products<\/h4>\n

Authorized mutual funds and\/or exempt market products are offered through Investia Financial Services Inc. (\u00ab Investia \u00bb). Mutual funds and exempt market products are sold exclusively by representatives registered with Investia and applicable provincial regulatory authorities.<\/p>\n

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.<\/p>\n

Segregated funds<\/h4>\n

Segregated fund products are offered through Investia Financial Services Inc. and\/or several general staff.<\/p>\n

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\u2019s assets.<\/p>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div>

Our Areas of Expertise<\/h3><\/h3><\/div>

Discover PLANICO’s Financial Services<\/p>\n<\/div><\/div><\/div>

Personal or corporate financial planning? Insurance needs? Whatever your objectives, a global vision will enable us to build a strategy tailored to your needs. We serve customers in the Montreal, Laval, North Shore and South Shore regions.<\/p>\n<\/div><\/div><\/div>

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Insurance<\/p>\n<\/div>

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Finding the Right Coverage<\/h4><\/div><\/div><\/div><\/div><\/div><\/div>
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Retirement<\/p>\n<\/div>

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Start Planning for Your Future Today<\/h4><\/div><\/div><\/div><\/div><\/div><\/div>
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Estate Planning<\/p>\n<\/div>

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Safeguarding Your Life\u2019s Legacy<\/h4><\/div><\/div><\/div><\/div><\/div><\/div>
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Legal Aspects<\/p>\n<\/div>

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Matrimonial Property and Assets<\/h4><\/div><\/div><\/div><\/div><\/div><\/div>
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Fiscal Policy<\/p>\n<\/div>

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Navigating Complex Taxation Laws<\/h4><\/div><\/div><\/div><\/div><\/div><\/div>
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Results in Achieving Your Personal Financial Goals\u2026<\/span>Results in Achieving Your Personal Financial Goals\u2026<\/span><\/div><\/div><\/div><\/div><\/div><\/div>
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Who Are We?<\/p>\n<\/div>

Achieving results towards your PERSONAL financial goals<\/h3><\/div>

We guide entrepreneurs and professionals who don’t have the time or expertise to carefully and strategically manage their personal and corporate finances. Unless you work in conjunction with a financial planner, it’ll be difficult for you to serenely get through all the complexities related to your finances (legal, estate, tax, financial, retirement and protection issues). Don’t worry, you’re not alone.<\/p>\n<\/div><\/div><\/div>

Call on professionals who can analyze your situation from a different angle and advise you accordingly.<\/strong><\/p>\n<\/div>