​​​​​

Retirement and Comprehensive Retirement Planning:

• Assess retirement savings and income sources, Group pensions and RRSP's..

• Evaluate readiness for retirement and create sustainable withdrawal strategies.

• Provide advice on CPP and OAS timing and benefits.

• Review your risk manage me situation (insurance). 

 

Budgeting and Cash Flow Management:

• Create a financial plan for immediate and long-term needs.

• Identify opportunities to reduce expenses or manage debt.

• Provide tools for maintaining financial stability during uncertain periods

 

Benefits Optimization :

• Guide employees in maximizing their severance packages (non legal issues).

• Review unused benefits like health savings accounts (HSAs) or stock options.

• Advise on health insurance continuation (e.g., COBRA or marketplace plans).

​

Investment Guidance:

• Offer strategies for managing and reallocating employer-sponsored retirement plans.

• Develop an investment risk strategy aligned with your future goals and risk tolerance.

• Assist in consolidating retirement plans for streamlined management

​​​

Tax Planning and Preparation:

• Evaluate tax implications of severance pay, retirement withdrawals, and benefits.

• Provide strategies for minimizing tax liabilities during the transition.

• Plan for future tax obligations in retirement or new employment.

• Preparation of individual income tax returns.
  ​​

Career Transition Support:

• Offer financial strategies for managing income gaps between jobs.

• Assist with budgeting for career training or reskilling.

• Help prepare for changes in income or employment type (e.g., freelance, consulting).​4

 

Estate Planning:

Help you create estate plans, including identifying key elements of your power of attorney and trust documents to ensure their assets are distributed according to your wishes and minimize estate taxes

​

​​