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.
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
JANICE BISSONNETTE
ENGAGEMENT COORDINATOR
Portfolio and Investment Fund Manager
Through a referral arrangement, Stark & Marsh Wealth Management Services offers you direct access to TriCert Investment Counsel’s portfolio management services. Seamlessly working with your Stark & Marsh CPA LLP Accountant and your Stark & Marsh Wealth Management Services Financial Planner, your TriCert Investment Counsel’s Portfolio Manager takes a quality sector-based (QSect) approach to tailor an investment management strategy that is specific to your unique circumstances designed to meet your goals and provide peace of mind through volatile markets.
TriCert Investment Counsel is registered as a Portfolio Manager with the Ontario Securities Commission (OSC) in Ontario, its principal regulator, and with each relevant securities administrator in all other jurisdictions across Canada. TriCert Investment Counsel is registered as an Investment Fund Manager in Ontario. Today, TriCert Investment Counsel proudly manages over $3 billion in assets on behalf of thousands of clients.
To learn more, visit TriCert.ca.
Let's make a plan
Having a sound Retirement Plan can eliminate a lot of guess work for your next phase in life. Complete our follow up request form below and a member of our Wealth Team will get in touch with you.
WEALTH MANAGEMENT RESOURCES
Intergenerational Wealth Transfer
Intergenerational wealth transfer is about more than passing assets from one generation to the next. It’s about protecting what you’ve built, supporting the people you care about, and creating clarity around the future – for both today and tomorrow.
Financial Plan vs Estate Plan vs Transition Plan – Key Differences
When comparing a Financial Plan vs Estate Plan vs Transition Plan, it’s important to understand how each serves different goals in your life planning.
2025 Canadian OAS, CPP, EI, Tax Rates & Contribution Limits
2025 Canadian OAS, CPP, EI, Tax rates & Contribution Limits
The 2025 Canadian tax rates and contribution limits for OAS, CPP, and EI bring important changes that could affect both individual and business financial plans.