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  • Victoria
    1175 Douglas St Ste 1000 Victoria, BC V8W 2E1 T: 250.405.2429
    Map and Directions Map and Directions
  • Stony Plain
    4310 33 Street Suite #118 Stony Plain, AB T: 780.399.5552
    Map and Directions Map and Directions
  • Edmonton
    2300-10060 Jasper Avenue Edmonton, AB T5J 3R8 T: 780.399.5552
    Map and Directions Map and Directions
Heart Wealth Management GroupHeart Wealth Management Group

Helping you address your retirement planning priorities

Retirement Planning

Canadians are worried about running out of money in retirement. People are living longer today and the possibility of spending 30 years in retirement requires careful planning and disciplined investing.

Do you know where your retirement income will come from?

Find out how you can invest your savings to provide a steady stream of income so you can enjoy your retirement years to the fullest.

Your retirement income will typically come from a number of different sources. You may be eligible for CPP/QPP and OAS or other government benefits – and you may have a company pension. But, if you’re like most Canadians, you also need to turn your savings into a retirement income stream to help meet your financial needs throughout retirement. Here are some typical questions that we can help you with:

  • Do we have enough savings to sustain our current lifestyle?
  • How much income can I expect to receive from my retirement savings?
  • What are my options for my employee retirement plan now that I’m retiring?
  • Should I take my Canada Pension Plan (CPP) early or wait until age 65 or 70?

We can also assist you with longevity planning, income planning, tax strategies, multigenerational wealth transfer, charitable giving and more.

Tax-advantaged retirement plans:

  • A registered retirement savings plan (RRSP) is a tax-deferred way for you to build up retirement savings and investments and these plans have special tax advantages.
  • A tax-free savings account (TFSA) allows you to save money for any purpose, without paying taxes on the investment growth earned.
  • A registered education savings plan (RESP) is a tax-sheltered way to help you save for a child's post-secondary education.
  • A registered disability savings plan (RDSP) is a tax-sheltered way to help you save for the long term financial security of a person who is eligible for the disability tax credit (DTC).
  • A registered retirement income fund (RRIF) is a tax-deferred way for you to use your RRSP savings to generate retirement income.
  • A life income fund (LIF) or locked-in retirement income fund (LRIF) is like a RRIF for “locked-in” money that originally came from a pension plan.

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Retirement & Longevity
Sophisticated wealth management
Always here for you
Heart Wealth Management GroupHeart Wealth Management Group
  • Victoria 1175 Douglas St Ste 1000 Victoria, BC V8W 2E1
  • T 250.405.2429
  • Map & Directions
  • Map & Directions
  • Stony Plain 4310 33 Street Suite #118 Stony Plain, AB
  • T 780.399.5552
  • Map & Directions
  • Map & Directions
  • Edmonton 2300-10060 Jasper Avenue Edmonton, AB T5J 3R8
  • T 780.399.5552
  • Map & Directions
  • Map & Directions
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