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Retirement Planning

Investing With POLICYDIRECT

Our licensed financial services representatives are here to assist you in creating a complete investment portfolio to meet your investment goals.

Portfolio With POLICYDIRECT

We utilize the traditional investment tools along with the latest investment planning techniques to create investments that work for you.

Investing Made Easy

We offer the advice, solutions and resources you need to reach your goals. And we do it in a way that always puts you first.

Planning For Retirement

Retirement Planning

Let’s secure the future you worked for

Whether you’re only thinking about it or are already retired, good retirement planning is what it takes to succeed. Together with our advisors, you can create a strategy and set the stage to enjoy your golden years. We’ll tailor our solutions to fit your lifestyle, habits and aspirations.

Retirement is a whole new stage in your life, and it should be on your terms. We can help you prepare and plan out every part.

Planning Retirement as an Individual

The reason an emergency fund is an important piece to your retirement savings plan is so that when that emergency comes up, you will not need to touch your retirement fund. Once the emergency has passed then you can start to replenish your emergency fund.  It’s also important to include the cost of inflation and life expectancy in your planning.

 

A good retirement plan considers how you want to live, where you’ll be, whether you want to travel, and what activities you enjoy. List your short-term goals, medium-term goals, and long-term goals, and assign each a dollar amount. Again our Associate can help with these things with our proprietary software.

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Types of Retirement Income and Savings Accounts

Retirement plans and income may come from government programs, benefit pensions, mutual funds, segregated funds and your personal savings. The Service Canada website is specially designed to help you find all the information you need for their part of your plan before, during and even when you’re in early retirement.

Registered Retirement Savings Plan (RRSP) & Tax-Free Savings Account (TFSA)

A Canadian Registered Retirement Saving Plan is a type of investment account that allows you to save money for the future while getting tax relief on current income that is set aside for this investment. Your retirement savings and investments will grow tax-free until you withdraw them at retirement, generally into an annuity, an RRIF, or lump sum.

 

A TFSA is a registered investment or savings account that you can use to achieve any savings goal. You can invest money in a TFSA and not pay tax on the interest it earns, and you can withdraw money from a TFSA without paying any penalty or tax.

RRSP and TFSA
Old Age Security (OAS) & Canada Pension Plan (CPP)

Old Age Security (OAS) & Canada Pension Plan (CPP)

These are the two major government pension programs that people can receive retirement plan funds from. Employees contribute automatically to CPP in their working years so that retirees can withdraw an income once they retire after age 60. The OAS is funded out of general tax revenue and isn’t dependent on you having paid into that system.

Life Insurance

Life Insurance can provide a lump sum of money that can provide income or cover unpaid taxes realized at death to allow your loved ones complete access to your assets. Everything you’ve worked hard to build for your family can stay with them when you’re gone, all from the proceeds of life insurance policies.

life insurance policies

Ready to Retire? Turn Savings into Income

Your retirement income comes in many forms. You may have a guaranteed income from work, Canadian (or Quebec) Pension Plan, Old Age Security and your own savings. We can help make sure that what you have is enough for the life you want, and the money you invested is available if you need it.

Registered Retirement Income Fund (RRIF)

It’s time to live the life you saved up for. Converting your RRSP into something that can allow you to have the life you envisioned is the first step. Learn all the know-hows of this process.

Annuities

Invest your savings into a stable and regular paycheque for life with a life annuity. Income annuities are an easy way to help ensure your needs are covered throughout retirement.

Build The Portfolio You Want, No Matter What Kind Of Investor You Are

Take Care of a Legacy

Estate protection is a way to know your hard-earned legacy will be passed on to the people and causes you care about.

It helps you protect and potentially grow your wealth, secure a smooth estate transition and avoid unnecessary fees in the process. 

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