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?
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.
See what’s included
What’s Included
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 Investment 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
Asset Allocation Analysis: Review Of Asset Allocation, Location, Performance Assumptions
Fee Analysis
Guaranteed Income Analysis/Strategy
Withdrawal Strategies: Guardrails
Retirement Drawdown Planning
Default Optimizations For RRSPs, TFSAs, CPP And OAS Timing
Personally Optimized Account By Account Withdrawal Strategy
RRSP Estate Tax Minimization Strategy
TFSA Maximizing Use In Retirement
Tax Bracket Management Plan
Lifetime Tax Minimization Strategy
CPP & OAS Timing Strategy
Our Process
A 5-step journey to your retirement clarity
1 - Choose a plan
Choose one of the options above, make payment. We will reach out with an engagement letter and to book first meeting.
2 - Discover
Get to know you, your goals, questions and challenges.
3 - Design
Develop a personalized plan to achieve your goals.
4 - Presentation
Share your plan results and answer retirement questions.
5 - Delivery
Provide final reports/video/plan access.
Client Testimonials
What our clients say about their experience
"It's been said that you don't know what you don't know…meaning that there are times and areas of life when help and support from others with more knowledge and experience is crucial. InvestorDNA provides just that for my wife and I, as we navigate the complex and often volatile world of finances. We are grateful for the thorough and patient way the team has worked with us."
John Estabrooks
"I really appreciate how the team checks in more than once per year and offers good, sound advice patiently and knowledgeably."
Christin Rosa
"I have worked with InvestorDNA for over 2 years and have never felt more at ease, they gave me a lot of transparency for my financial plans + typical investment management services including estate and tax planning, accounting services and retirement planning. Thanks to everyone at InvestorDNA."
Donald Mclellan
"The retirement planning process was thorough and professional. They took the time to understand our unique situation and provided clear, actionable recommendations. Highly recommended for anyone serious about their financial future."
Sarah Thompson
FAQ
What is the difference between a Retirement Assessment and a Retirement Plan?
How long does the planning 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.
Do you sell financial products or manage investments?
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 if my situation is more complex (corporate assets, rental properties, etc.)?
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 deliverables will I receive?
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.
Can I update my plan in the future?
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 do I get started?
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.
Is my financial information kept confidential?
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.
