RETIREMENT PLANNING SERVICES
Retirement Challenges – Cash Flow
Pre-retirees often face the daunting challenge of outliving their assets. This concern holds significant importance as it can determine whether one’s golden years are truly fulfilling or merely a struggle for financial survival. As individuals progress through their retirement journey, it becomes imperative to realign their investment portfolio to prioritize the generation of a tax efficient steady stream of income. This shift is crucial for enjoying the envisioned retirement lifestyle with financial security.
Our Retirement Planning Services include:
Personalized Retirement Strategies
We believe that retirement planning should never be a one-size-fits-all approach. Our dedicated team will work closely with you to understand your financial situation, aspirations, and risk tolerance. Based on this comprehensive analysis, we will develop a personalized retirement strategy tailored to meet your specific goals.
Investment Portfolio Management
Investing wisely is crucial to building a retirement nest egg. Our skilled advisors will help you develop a tax-efficient diversified investment portfolio that aligns with your risk tolerance and long-term objectives. We will monitor your investments regularly, making adjustments as needed to optimize performance and mitigate risks, ensuring your retirement funds are positioned for growth.
Canadian Pension & Old Age Security
Optimizing CPP and OAS benefits is crucial for effective retirement planning in Canada. By understanding the eligibility criteria, contribution strategies, and various optimization techniques, individuals can maximize their retirement income streams while minimizing tax implications.
Estate Planning and Asset Protection
Preserving and protecting your assets for future generations is vital. Our team will assist you in creating a comprehensive estate plan that addresses your legacy goals, minimizes taxes, and ensures a smooth transfer of assets. We will collaborate with your estate planning attorneys and other professionals to develop strategies that align with your wishes and protect your hard-earned wealth.
Regular Progress Reviews
Retirement planning is an ongoing process that requires periodic evaluation and adjustments. Our team will conduct regular progress reviews to assess the performance of your retirement plan, review any changes in your circumstances, and make necessary modifications. We will be there every step of the way, ensuring your retirement strategy remains relevant and effective.
In a world where financial landscapes are constantly shifting, a well-structured retirement plan serves as a sturdy financial foundation for your future. It’s about ensuring that your golden years are spent relishing the fruits of your labor, rather than grappling with financial uncertainties.
WEALTH MANAGEMENT TEAM
CANDACE GELLETA
CFP®, RRC®, SENIOR WEALTH MANAGEMENT ADVISOR
Candace has been actively involved in financial planning since 2014. She is a Registered Retirement Consultant RRC®, has a Financial Planning diploma from the Canadian Institute of Financial Planning, and has completed her Certified Financial Planner CFP® certification through FP Canada.
Candace works with Stark & Marsh clients to build a financial plan that considers Financial, Insurance, Retirement, and Estate needs. She works closely with the Stark & Marsh accounting and tax advisor to ensure the complete financial picture, including tax implications, are contemplated.
Through a referral agreement with Stark & Marsh Wealth Management, Candace will refer clients interested in investments to the TriCert Investment Counsel Inc. Clients have direct access to a team of portfolio managers through this referral arrangement who can tailor an investment management strategy specific to their needs. This integrated approach, which links the clients’ accountant with their financial planner and investment advisor, provides a unique opportunity to develop a comprehensive and customized plan best suited to serve the clients needs.
JANICE BISSONNETTE
ENGAGEMENT COORDINATOR
Janice plays a vital role in the development and implementation of Stark & Marsh clients financial plans. Acting as a liaison between clients and the financial planning team, Janice’s primary responsibility is to ensure smooth coordination and effective communication throughout the engagement process.
As an engagement coordinator, Janice works closley with clients to gather all relevant financial information including income, expenses, assets, and liabilities. Janice will ensure all documents are carefully organized ensuring accuracy and confidentiality. This information serves as the foundation for the financial plan.
Once the financial planning team has analyzed the data, the Janice assists in preparing comprehensive financial reports and presentations.
In addition to document preparation, Janice oversees the scheduling of meetings and appointments. She coordinates with both internal team members and external clients to ensure that everyone is on the same page and that deadlines are met.
Throughout the engagement, Janice keeps track of any changes or updates to the financial plan. She will communicate these changes to the relevant parties, ensuring that all involved are well-informed and able to make informed decisions.
Overall, Janice serves as a crucial link between clients and the financial planning team, ensuring that the financial plan is tailored to the client’s needs and objectives. Through effective coordination and communication, Janice contributes to the successful implementation of the plan and the achievement of the client’s financial goals.
Questions? Complete the form below and a member of our Wealth team will be in touch with you.
Through a referral arrangement, Stark & Marsh Wealth Management Services offers you direct access to TriCert Investment Counsel’s Portfolio Managers who will tailor an investment management strategy that is specific to your unique circumstances. Working with your accountant and financial planner, TriCert Investment Counsel’s Portfolio Managers take a quality sector-based (QSect™) approach to investing.
TriCert Investment Counsel is registered with the securities regulators as a Portfolio Manager and is engaged to provide clients with discretionary portfolio management.
To learn more, visit the TriCert website.
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