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Retirement Planning

You’ve spent your whole life earning and spending money freely, and retirement shouldn’t make you feel as if you’re suddenly on an allowance. It’s a time when you want to continue to make good financial decisions and remain behind the wheel.

Today, retirement is a long time. People have very different spending patterns between the ages of 55-60 than they have between 80-85. It’s difficult to plan accurately for so many years in advance when there are so many variables:

• Your health
• Rates of return
• Your desires and needs
• World events

In response, The Smith Group* has pioneered innovative investment concepts to deal with these dynamics effectively and help you strike a strategic balance between living for today and providing for the future.

The result is a high degree of freedom and unlimited investment horizons. Contact us for more details on our proprietary thinking.

Services include:

• Our proprietary retirement plan, “Retirement 3-to-5”
• Pre-retirement planning
• Transitional retirement planning
• Post-retirement planning
• After-inflation required rates of return — do you know what yours is?
• Implementation, monitoring and staying on track — knowing where you stand
• Online access
  • Envoy — Live 24/7 Internet access to account information, market data, news and investment research
  • Electronic monthly statements

Products include:

• Registered Retirement Savings Plans (RRSPs)
• Registered Retirement Income Funds (RRIFs)
• Life Income Funds (LIFs and LRIFs)
• Individual Pension Plans (IPPs)
• Retirement Compensation Agreements (RCAs)