Skip to content
twitterfacebooklinkedinenvelope
  • TF: 1888.778.0356
  • Home
  • About Us
    • About Us
    • Community Involvement
    • April Dorey Hartwig
    • Pamela Katunar
    • Jordan Duncan
    • Mascots
    • Our Partners
    • About Raymond James
  • Cross Border
  • Our Clients
    • Our Clients
    • Families & Individuals
    • Pre-Retirees & Retirees
    • Business Owners
  • Services
    • Services
    • Asset Management
    • Financial Planning
    • Tax Planning
    • Estate Planning & Strategic Charitable Giving
    • Retirement Planning
    • Cross Border Services
    • Insurance
    • Investment and Tax Calculators
  • Resources
    • Resources
    • Events
    • Video Library
  • Connect With Us
  • Client Access
    • Client Access
    • CA Client Access
    • US Client Access
  • Victoria
    1175 Douglas Street Suite 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.

related resources

Making the most of a Roth IRA

Making the most of a Roth IRA

Consider the benefits and limits associated with making post-tax contributions to an individual retirement account.

Retirement & Longevity
Protecting your Social Security payout

Protecting your Social Security payout

To handle payments for a disabled senior, it's not enough to put powers of attorney, medical directives or guardianship arrangements in place.

Retirement & Longevity
When markets are down, what should you do about RMDs?

When markets are down, what should you do about RMDs?

Keep these strategies and considerations in mind.

Retirement & Longevity
Navigating Medicare [INFOGRAPHIC]

Navigating Medicare [INFOGRAPHIC]

Review this roadmap to help you navigate through the Medicare enrollment process.

Retirement & Longevity
Making the most of Medicare's open enrollment period

Making the most of Medicare's open enrollment period

Open enrollment extends from Oct. 15 to Dec. 7. Ask yourself a few questions to make sure you're getting the most from Medicare.

Retirement & Longevity
Could you thrive in a niche retirement community?

Could you thrive in a niche retirement community?

Things to consider – and learn – before joining a community with like-minded retirees.

Retirement & Longevity
Sophisticated wealth management
Always here for you
Heart Wealth Management GroupHeart Wealth Management Group
  • Victoria 1175 Douglas Street Suite 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
twitterfacebooklinkedinenvelope

Website legal disclaimers
Raymond James Ltd. is an indirect wholly-owned subsidiary of Raymond James Financial, Inc.
Securities-related products and services are offered through Raymond James Ltd., member Canadian Investor Protection Fund.
Insurance products and services are offered through Raymond James Financial Planning Ltd, which is not a member Canadian Investor Protection Fund.
Raymond James Trust Services are offered by Raymond James Trust (Canada) in the provinces of British Columbia, Alberta, Saskatchewan, and Ontario, and by Raymond James Trust (Québec) Ltd. in the province of Québec. Both entities are wholly owned subsidiaries of Raymond James Ltd. Trust Services are not covered by the Canadian Investor Protection Fund. Use of the Raymond James Ltd. website is governed by the Web Use Agreement | Client Concerns.

Raymond James (USA) Ltd. All rights reserved.
Raymond James (USA) Ltd. advisors may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Investors outside the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this website.
Raymond James (USA) Ltd. is a member of FINRA/SIPC.

BrokerCheck

This website may provide links to other internet sites for convenience of users. Raymond James (USA) Ltd. is not responsible for the availability of content of these websites, nor does the firm endorse, warrant or guarantee the products, services, or information described or offered by these other internet sites.  Users cannot assume that these websites will abide by the same Privacy Policy that Raymond James (USA) Ltd. adheres to. 

Please click on the link below to stay connected via email.

I Consent

*You can withdraw your consent at any time by unsubscribing to our emails.

© 2023 Raymond James Ltd. All rights reserved. Member IIROC / CIPF | Privacy Policy | Web Use Agreement

IIROC Logo
Advisor Report