{"id":2757,"date":"2022-12-13T10:19:38","date_gmt":"2022-12-13T15:19:38","guid":{"rendered":"https:\/\/apnotaire.com\/atfinance\/all-aspects-of-your-financial-strategy-in-one-place\/how-to-plan-for-retirement\/"},"modified":"2023-01-05T15:49:55","modified_gmt":"2023-01-05T20:49:55","slug":"how-to-plan-for-retirement","status":"publish","type":"page","link":"https:\/\/www.atfinance.ca\/en\/financial-strategy-services\/how-to-plan-for-retirement\/","title":{"rendered":"How to plan for retirement"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-bottom:2px;--awb-border-color:var(--awb-color2);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:80px;--awb-padding-bottom:80px;--awb-padding-top-medium:48px;--awb-padding-bottom-medium:48px;--awb-padding-top-small:0px;--awb-padding-bottom-small:20px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.2%;--awb-margin-bottom-large:120px;--awb-spacing-left-large:3.2%;--awb-width-medium:75%;--awb-order-medium:0;--awb-spacing-right-medium:2.56%;--awb-margin-bottom-medium:30px;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;text-transform:none;\">We\u2019ll help you plan the ideal future<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:9.6%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:7.68%;--awb-spacing-left-medium:7.68%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-on-side content-left services_box fusion-delayed-animation\" style=\"--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color4);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color5);--awb-circle-hover-accent-color:transparent;--awb-item-margin-bottom:40px;\" data-animation-delay=\"500\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:62px;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/analyse-icon.png\" width=\"42\" height=\"42\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:62px;\">Goal analysis<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Determine how much you need to save monthly to maintain your standard of living in retirement, and the strategies to get there.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:70px;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/strategie-icon.png\" width=\"50\" height=\"48.5\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:70px;\">Withdrawal strategies<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Plan the order in which you should withdraw your funds, and the withdrawal amounts, to reduce the tax impact.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:65px;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/gouverrnement-icon.png\" width=\"45\" height=\"46.8\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:65px;\">Government programs<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Learn how to benefit from the Qu\u00e9bec Pension Plan and Old Age Security pension to plan your retirement.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:9.6%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:7.68%;--awb-spacing-left-medium:7.68%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:0px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-3 fusion-content-boxes-2 content-boxes-icon-on-side content-left services_box fusion-delayed-animation\" style=\"--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color4);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color5);--awb-circle-hover-accent-color:transparent;--awb-item-margin-bottom:40px;\" data-animation-delay=\"500\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:65px;\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/epargne-icon.png\" width=\"45\" height=\"54.45\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:65px;\">Selection of savings vehicles<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Get a personalized plan that uses the right tools for you, such as a TFSA, an RRSP or certain non-registered investments.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:60px;\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/gestion-patrimoine-icon.png\" width=\"40\" height=\"38.79\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:60px;\">RRSP optimization<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Maximize your RRSP tax advantages with a combination of well-thought-out solutions, such as an RRSP loan.<\/p>\n<\/div><\/div><\/div><div style=\"--awb-backgroundcolor:rgba(255,255,255,0);--awb-iconcolor:var(--awb-color4);--awb-content-padding-left:60px;\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon content-icon-wrapper-yes icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div aria-hidden=\"true\" class=\"image\"><img decoding=\"async\" src=\"https:\/\/atfinance.ca\/wp-content\/uploads\/2022\/12\/projection-icon.png\" width=\"40\" height=\"42.4\" alt=\"\" title=\"\"><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:27px;--fontSize:27;line-height:var(--awb-typography1-line-height);padding-left:60px;\">Forecasting<\/h3><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p>Find out if your current retirement savings strategy is working and get advice on how to adjust it if necessary.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:120px;--awb-padding-bottom:0px;--awb-padding-top-small:50px;--awb-margin-top:0px;--awb-background-color:var(--awb-color2);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-bottom:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-center\" style=\"margin:0;\">An approach tailored to your financial profile<\/h2><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:100px;--awb-padding-bottom:240px;--awb-padding-top-small:50px;--awb-padding-bottom-small:100px;--awb-margin-top:0px;--awb-background-color:var(--awb-color2);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:40px;--awb-padding-right:50px;--awb-padding-bottom:40px;--awb-padding-left:50px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-font-size:33px;\"><h3 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Source Sans Pro&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;text-transform:uppercase;\">Case 1:<\/h3><\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom:0px;--awb-font-size:21px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Source Sans Pro&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;\"><p>How can I optimize my wealth<br \/>\nto best plan for retirement?<\/p><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;margin-bottom:30px;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#a2badb;border-color:#a2badb;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\"><p>Even if you have enough money in your RRSP or pension plan, and your retirement strategy is on track, there are still ways to optimize your wealth. We\u2019ll help you establish strategies to make the most of your savings vehicles and, when the time comes, to start withdrawing your funds in a smart way.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:40px;--awb-padding-right:50px;--awb-padding-bottom:40px;--awb-padding-left:50px;--awb-bg-color:var(--awb-color1);--awb-bg-color-hover:var(--awb-color1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-font-size:33px;\"><h3 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Source Sans Pro&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;text-transform:uppercase;\">Case 2<\/h3><\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:var(--awb-color6);--awb-margin-bottom:0px;--awb-font-size:21px;\"><h4 class=\"fusion-title-heading title-heading-center\" style=\"font-family:&quot;Source Sans Pro&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;\"><p>Will I have enough money<br \/>\nfor retirement?<\/p><\/h4><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:30px;margin-bottom:30px;width:100%;max-width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:#a2badb;border-color:#a2badb;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\"><p>If you\u2019re concerned about not having enough savings to maintain your standard of living in retirement, it\u2019s never too late to make adjustments. First, we\u2019ll review your current plan to determine if you\u2019ll actually have enough money. Then we\u2019ll look again at your goals, including the age at which you\u2019d like to stop working, as well as your disposable income for savings, to ensure you\u2019ll get the results you want.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":2721,"parent":2753,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-2757","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2757","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/comments?post=2757"}],"version-history":[{"count":4,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2757\/revisions"}],"predecessor-version":[{"id":2929,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2757\/revisions\/2929"}],"up":[{"embeddable":true,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/pages\/2753"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/media\/2721"}],"wp:attachment":[{"href":"https:\/\/www.atfinance.ca\/en\/wp-json\/wp\/v2\/media?parent=2757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}