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Retirement and income investing with Matthew Lawrence, QAFP®, Financial Advisor, helps organize how your savings remain invested and become income over time.
The objective is a portfolio that supports your life today while remaining prepared for the years ahead.
RETIREMENT INVESTING IN NIAGARA. PROUDLY CANADIAN.
RETIREMENT INVESTING IN NIAGARA. PROUDLY CANADIAN.
Retirement changes the job of your portfolio.
Retirement changes the job of your portfolio.
While you are working, employment income supports your lifestyle and new savings can be added to your investments.
In retirement, withdrawals begin. The timing of market changes matters more, income may come from several sources and different accounts can have different tax consequences.
A portfolio built to accumulate wealth may not be ready to provide the income you need from it.
Income needs a strategy not just a yield.
Income needs a strategy not just a yield.
A retirement income strategy considers how much you need, when you need it and where it should come from.
That means balancing current income with liquidity, continued growth and an appropriate level of risk. It also means deciding which investments remain in place and which accounts may be used at different stages of retirement.
The objective is not simply to find the highest payout. It is to create an income approach that can adapt as your needs change.
Advice for the transition and the years after it.
Advice for the transition and the years after it.
Whether retirement is several years away, approaching quickly or already underway, you work directly with Matthew throughout the process.
His QAFP® background provides a broader perspective on how your investments may interact with pensions, government benefits, tax considerations, insurance and estate priorities.
Recommendations are explained in plain language so you can understand your choices and decide how to proceed.
What does retirement and income investing consider?
What does retirement and income investing consider?
Income Needs and Timing
Income Needs and Timing
How much income your portfolio may need to provide—and when withdrawals are expected to begin.
CPP, OAS and Pension Income
CPP, OAS and Pension Income
How government benefits and workplace pensions may reduce or change the income required from your investments.
Accounts and Withdrawals
Accounts and Withdrawals
How RRSPs, RRIFs, TFSAs, non-registered investments and other accounts may be used over time.
Investment Mix
Investment Mix
How growth, income, stability and diversification can work together throughout retirement.
Liquidity and Market Risk
Liquidity and Market Risk
How near-term income needs may be managed without making every investment a short-term holding.
Tax and Estate Considerations
Tax and Estate Considerations
How taxes and legacy priorities may influence investment decisions, with specialist advice where required.
Frequently Asked Questions
Frequently Asked Questions
When should I start preparing my investments for retirement?
When should I start preparing my investments for retirement?
Beginning many years before retirement can provide more time to organize accounts and consider different choices. A review can still be valuable if retirement is approaching quickly or has already begun.
Should retirement investments always be conservative?
Should retirement investments always be conservative?
Not necessarily. Retirement may last for decades, so continued growth can remain important. The appropriate balance depends on your income needs, time horizon, other resources and comfort with risk.
How do RRSPs, RRIFs and TFSAs fit into retirement income?
How do RRSPs, RRIFs and TFSAs fit into retirement income?
Each account has different rules and tax treatment. Considering them together can help clarify which funds may be used at different stages of retirement.
Can an income strategy change after retirement begins?
Can an income strategy change after retirement begins?
Yes. Spending, markets, health, family circumstances and other income sources can change. Your investment and withdrawal strategy can be reviewed as those circumstances evolve.
Start with the retirement you are preparing for.
Start with the retirement you are preparing for.
You do not need to know exactly how much income each account should provide before beginning.
Complete the short form and tell Matthew where you are in your retirement journey and what you would like your investments to accomplish. He will follow up personally to discuss the next step.
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