P.B. Fraser and Associates - Retirement Planning

Retirement – that stage in life when we hope to put an end to our careers and live financially free for the rest of our days.

We work hard for many years in hopes of having enough to enjoy the "golden years". And then, when we get there we worry about having the right kind of investment allocation to meet our living expenses, minimize taxes and stay ahead of inflation. Retirement planning after retirement is just as important as planning for retirement.

Have you been asking yourself the following questions in anticipation of retirement?

How much do I need to save every year in order to retire, when I would like to? Will it be enough?
What investment strategies should I be using?
Given my current investments…when can I retire?
How can I make sure my retirement savings will be sufficient to cover …inflation, rising interest rates, and tax law changes?

Are you currently retired and been wondering how to:

Determine the required minimum distribution option to minimize your taxes for you and extend tax deferral for your heirs?
Invest in the right investment vehicles that will protect your capital?
Coordinate retirement beneficiary designations with your estate plan for tax deferral?
Using retirement assets in your estate plan for charitable giving to avoid double taxation?

P.B. Fraser and Associates/ Dundee Securities Corporation will provide you with answers to these questions, and more. Our Financial Advisors will help to remove any uncertainty or confusion you may have about retirement planning. Our advice will help guide you to making better decisions for today and tomorrow so you will be able to do the things you’ve always wanted to do. Such as, traveling, living in your dream home, spending more time with family, volunteering for a favourite charity or running your own private business.

We will prepare a comprehensive analysis of your finances that will clearly show you:

Your projected retirement date based on where you are now.
Specific steps you will need to take to achieve your retirement goal, all the while taking into consideration other goals such as becoming debt-free, paying for your childrens' education, or charitable giving.
The impact inflation, investment return, and lifestyle have on your projected retirement date.

Getting Started…will inform you of our next steps together in helping you to achieve your long range financial objectives.

Insurance products provided through Dundee Insurance Agency Ltd.