Retirement Planning

For decades, we plan what type of education, skills training and professional designations we’ll acquire. We also spend time considering which industries are the best places to work, and which employers to work for. We carefully strategize our every career move, so that we progress to the top of the ladder in our respective fields.

Sadly, though, we often forget to plan for “life after work”!

Why Retirement Planning is Important

Everything we do — from choosing a career to managing career progressions— is presumably so we and our families and dependents can have a better life. But if we fail to plan for life after work, all of the plans and effort we put into our working lives could be jeopardized.

What will retirement look like? Are we spending too much? What if we’re not saving enough? Are we investing in the right places? How much will we need in retirement — and could we run out of money? Will government and employer pension plans cover us?

If we don’t plan for retirement, we’ll never be able to prepare for it. And an ill-prepared retirement is bound to be one filled with financial stress and chaos.

What We Can Do for You

For our clients, retirement planning doesn’t start at retirement. It starts much before! Our retirement planning service takes a long-term view of your financial well-being. We use a life-cycle approach to ensure that your life after work is as well-planned as your life prior to retirement.

Here’s what our services cover:

  • Planning a personalized retirement strategy: Everything we do for you centers around four pillars: helping you address financial goals prior to retirement; ensuring you have an income strategy during retirement; utilizing insurance products to safeguard your nest egg and yourself against potential catastrophes; planning for your legacy.
  • Understanding your goals: Through an intensely personalized approach, we understand what your retirement goals are.
  • Analyzing where you are at: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory.
  • Developing the plan: Remember all those questions above? We’ll work with you to create a retirement plan that addresses every one of them. When we’re done, you’ll not only know what you need (income) to fund your retirement lifestyle and what your investments have the potential to generate, but you’ll also know how to bridge any shortfall.
  • Implementing the plan: As you move closer to retirement, we’ll work closely with you to ensure that plans are implemented in a phased and orderly manner. Our goal is to make transitioning into retirement as seamless and stress-free as possible.
  • Supporting your decisions on pensions and benefits: Our retirement planning professionals will be right there when you need them, with help and advice on pensions and benefits (government or employer).
  • Looking out for you in retirement and beyond: Our retirement planning service isn’t done yet — not by a long shot! To live a long and fulfilling retirement, you’ll need help with many other facets of your life: health care, insurance, charitable giving and legacy planning. When you need our advice, our specialists will know exactly how to respond.
  • Establishing ongoing reviews: Our retirement planning service ensures that we maintain a long and enduring relationship with you. We’ll continue to monitor and review your retirement plans and consult with you frequently about any changes or updates needed to address your evolving retirement lifestyle needs.