Retirement Planning
Preparing for Retirement
You’ve worked hard to build your wealth—now it’s time to make it last. At Rickert Financial Group, we help you turn your savings into reliable retirement income so you can enjoy the years ahead with confidence. Whether you’re five years away or already retired, we’ll help you plan for the lifestyle you want, without the fear of running out of money.
Understanding Your Retirement Needs
We start by helping you define what retirement looks like for you—your goals, lifestyle, and the income you’ll need to make it happen.
Creating a Retirement Income Plan
We build a strategy to turn your RRSPs, pensions, TFSAs, and other savings into steady, tax-efficient retirement income.
Managing Taxes in Retirement
We help you structure withdrawals to reduce tax, avoid government benefit clawbacks, and maximize your after-tax income.
Planning for Rising Costs
We consider inflation, healthcare, and other rising expenses to help protect your purchasing power throughout retirement.
Reviewing Government Benefits
We guide you on when and how to draw from CPP, OAS, and other government programs to complement your personal savings.
Adjusting as Life Changes
Your needs may shift over time. We’ll regularly review and adjust your plan to keep you on track, no matter what life brings.