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  • Victoria
    1175 Douglas Street Suite 1000 Victoria, BC V8W 2E1 T: 250.405.2429
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  • 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
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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

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
Is it time for a change of plan?

Is it time for a change of plan?

Medicare open enrollment provides the opportunity to pair coverage with life’s changes.

Retirement & Longevity
Are you and your partner on the same retirement page?

Are you and your partner on the same retirement page?

Many couples don’t agree on when, where or how they’re going to spend their golden years.

Retirement & Longevity
Where Medicare falls short

Where Medicare falls short

Medicare provides a lot of coverage, but it doesn't cover everything.

Retirement & Longevity
Sophisticated wealth management
TOLL-FREE DIRECT
1.888.778.0356
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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

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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.
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