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PRE-RETIREES AND RETIREES

Will you have the income you need in retirement?

It often happens that life is unpredictable. In order to prepare for a multi-decade retirement, and still ensure you have what you need to live the day-to-day lifestyle you want, your investment strategy has to be adaptable.

Our approach is to set out a personalized asset allocation and investment plan to help ensure that your savings are sufficient, your income streams align with your lifestyle, and that both have the longevity needed to last through your retirement.

“Our approach is to set out a personalized  asset allocation and investment plan.”

Specialized Services on an Independent Platform

Our focus is to help you generate the savings and income you need for retirement, while enjoying your current lifestyle.

  • Analyzing your lifestyle and income needs to help ensure savings are on track
  • Initiating wealth preservation strategies
  • Creating additional income streams for retirement
  • Managing risk through diversification
  • Gifting money and building a legacy for the next generation
  • Minimizing the tax impact of investing, registered savings and CPP
  • Consolidating your investments to minimize costs

The Harris-Bolduc Process for Retirement

  • STEP 1
    Understand Your Retirement

    We meet to discuss your needs and goals, as they relate to your retirement lifestyle, your current income streams and your investment portfolio.

  • STEP 2
    Retirement Portfolio

    We set out specific investment objectives and strategies that align with your retirement goals. We then present your Investment Policy Statement.

  • STEP 3
    Wealth Review

    We connect you to other financial specialists to provide tax advice, estate planning, intergenerational wealth transfer and other services.

  • STEP 4
    Ongoing Relationship

    Communication is consistent and reporting is clear. We meet periodically to review your investments and learn of recent developments in your family wealth, lifestyle and objectives.

  • STEP 5
    Rebalancing

    Your portfolio is rebalanced, and your asset allocation is reviewed, to account for shifts in the market and changes in your personal needs.

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