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Everybody has different plans and ideas for their retirement-some hope to retire early and buy a country home or vacation spot in the sun while others would like to retire late and continue working.
 
Whatever your vision, the best way to ensure that you reach your retirement goals is to have a plan. Ideally, you want to make sure that you have enough income and assets to live the kind of lifestyle that you want. A financial planner can help you with this and inform you of the many variables that go into the planning process and the pace with which they change.

Click on the links below to learn more...

Retirement Strategies:

• Readiness Assessment Tool: Self-administered and requiring about 10-15 minutes to complete, the Readiness Assessment tool is designed to help you gain perspective on your transition into retirement.
• Sample Retirement Plan 
• Manulife Income Plus: An investment that can offer predictable, sustainable and potentially increasing income for life.
• Insured Retirement Plan, Leveraging your Life Insurance Policy: a life insurance solution that leverages the insurance cash values for retirement income.
     - Gain Tax Free Income through Universal Life
     - Tax-advantaged Growth through Universal Life
     - Insured Retirement Plan Information Brochure-SunLife Financial
     - Insured Retirement Plan Article-The Co-operators
• Self-Directed RSP:  Make the move to a single RSP that can hold your different investments in one tax-sheltered container.
  
  For more information on Retirement Planning, please read the following articles:
  
• Gain Tax Free Income Through Universal Life
• What Happens to my RRSP When I Pass Away?
• How Much Money do you Really Need for Retirement?
• Serverance Payments and Retiring Allowances
• Individual Pension Plans-an RRSP alternative to help secure your financial future
• Understanding the Annuity Advantage
• Advanced Age RRSP Planning
• Pension Income Credit
• For a Better Retirement Plan, Start Planning Now
• Pensions: Lump Sum or Monthly Payments

To help you, ScotiaMcLeod offers a Early Retirement Options Handbook, Retirement Planning Handbook and Retirement Planning Workbook designed to provide an overview of the retirement planning process and the steps you can take to make sure you have done everything you can to plan for your retirement years. Topics covered include the retirement planning process, retirement income sources, planning strategies, and many other retirement issues.
 
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