Fee-For-Service
Retirement Planning
A professional, independent, unbiased retirement
plan. No products sales, not commissions, no investment management required.
Fee-For-Service
Retirement Analysis
-Can I retire?
What amount can I safely spend?
Investment Analysis
-How do I ensure I don’t run out of money?
Tax Analysis
-What accounts do I spend from to reduce taxes?
Choose Your Plan
Do I need a retirement assessment or a retirement plan?
Retirement Plan: Best for someone 2-10 years from retirement. Looking to assess their retirement readiness and if they have enough resources to retire sustainably
Retirement Assessment: Best for someone less than 2 years from retirement or already retired and looking to make immediate decisions in important areas: timing of CPP and OAS, specific draw down strategy, estate & legacy planning and more.
| What’s included | Retirement Assessment | Retirement Strategy |
|---|---|---|
| Retirement date: Various retirement dates and/or working part time |  | |
| Home Equity: Impact of downsizing, selling and renting or using a reverse mortgage | | |
| Risk: Various asset allocations and invesment risk | | |
| Budget: Various spending and travel budgets, spending more or less | | |
| Legacy: Impact of various legacy/inheritance goals | | |
| Purchases: Cottage, boat, vehicles, etc | | |
| Deliverables | ||
| Software access | | |
| Financial Planning software Report, year-by-year tax projection | | |
| Video summary/walkthrough | | |
| Risk Planning | ||
| Survivor: stress testing | | |
| Market: downturns/recessions and sequence of returns risk | | |
| Inflation: stress testing | | |
| Portfolio Management | ||
| Aasset allocation analysis: Review of asset allocation, location, performance assumptions in comparison to your risk tolerence and capacity | | |
| Fee analysis: | | |
| Guarnateed Income analysis/strategy |  | |
| Withdrawal strategies: Guardrails | | |
| Retiremnet Drawdown Planning | | |
| Default optimizations for RRSPs, TFSAs, CPP and OAS timing | | |
| Personally optimized account by account withdrawal strategy | | |
| RRSP: Estate tax minimization plan related to RRSP/RRIF balance (meltdown strategies) | | |
| TFSA: Maximizing use of TFSAs in retirement | | |
| Tax bracket management plan to smooth taxable income over time and maximize low tax brackets | | |
| Exploratoin of lifetime tax minimization strategy (ie. Income splitting strategies) | | |
| CPP & OAS timing strategy | | |
| Purchase this plan CALL | Purchase this plan CALL |
Client Testimonial
FAQ
What do I receive as a deliverable?
Absolutely! Right now, we are helping about 100 families throughout Canada to smoothly transition into retirement, lower their taxes, and increase their income.
We use the Zoom platform for video calls, making sure to keep each meeting secure and your information private.
How long does the process take?
Absolutely! Right now, we are helping about 100 families throughout Canada to smoothly transition into retirement, lower their taxes, and increase their income.
We use the Zoom platform for video calls, making sure to keep each meeting secure and your information private.
Why work with InvestorDNA?
Absolutely! Right now, we are helping about 100 families throughout Canada to smoothly transition into retirement, lower their taxes, and increase their income.
We use the Zoom platform for video calls, making sure to keep each meeting secure and your information private.
What happens after plan delivery?
Absolutely! Right now, we are helping about 100 families throughout Canada to smoothly transition into retirement, lower their taxes, and increase their income.
We use the Zoom platform for video calls, making sure to keep each meeting secure and your information private.
