Savings review
RRSP, TFSA, non-registered accounts and past plans, all brought together in one place.
Know when you can stop working, and on what income.
A clear plan that brings together your savings, the QPP and OAS, and tells you which accounts to use until then.
Who is it for?
Without an employer plan, retirement rests entirely on your own decisions. A plan turns a vague worry into a few precise numbers.
- Incorporated professionals and self-employed people with no employer plan
- People 10 or 15 years from retirement who want a precise number
- Couples who want to coordinate their savings
What's included
Income projection
Your estimated retirement income, including QPP and OAS, year by year.
RRSP and TFSA strategy
Where each dollar should go, based on your current and future tax rate.
Drawdown plan
Which savings to draw first to pay less tax and make your capital last.
Guaranteed income
Annuities and guaranteed income products to cover essential expenses no matter what.
Yearly review
Every year we compare the plan with reality and adjust.
How much will you have at retirement?
Move the sliders. The math runs in your browser and nothing is sent.
Projected capital at age 65
$471,800
$2,500estimated monthly income for 25 years
$200,000total of your deposits
Illustration only. Assumptions: 5% yearly return before retirement and 4% during drawdown, no inflation, tax or fees. This result is not advice. A meeting lets us build a real projection that includes the QPP and OAS.
Frequently asked questions
Another question? Call Ajet at 514 419-4920.
At what age should I start my QPP pension?
The QPP retirement pension can start between 60 and 72, and each year you wait increases it. The right age depends on your health, your other income and your spouse.
RRSP or TFSA?
The RRSP lowers your tax today, the TFSA saves you tax later. The choice depends mostly on your current and future tax rate, and often both have a place.
Is it too late if I am 55?
No. The last years before retirement are often when you can save the most, and the order in which you draw your savings matters as much as the savings themselves.
Our other services
Let's talk about your situation.
Call, write or request a meeting online. Ajet or Isabelle will answer you personally.