Saving for retirement

Years from retirement: Less than 10 years

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ISSUE

Envisioning your retirement lifestyle.

  • Evaluate the financial implications of choices such as spending winters in a warmer climate, moving to a smaller home or continuing some form of work after retirement.


The Retirement lifestyle checklist can help you refine your retirement lifestyle expectations.

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ISSUE

Fine-tuning your retirement income needs.

  • Review your budget and determine more precisely the amount of retirement income you’ll require.
  • Use the Identify your sources of income checklist.
  • Determine the amount of retirement income you can count on from all sources – company pension plan, the Canada/Quebec Pension Plan payments and Old Age Security pension.
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ISSUE

Evaluating early retirement offers.

  • Provide an objective assessment of how such an offer would affect your overall retirement plan.
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ISSUE

Planning for your estate.

  • Show how your financial and estate plans can complement one another.
  • Explain how to minimize the eventual tax bill on your estate.