Planning for retirement is one of the most important actions that you can take to secure a comfortable future for your family. Retirement is a major financial goal that requires considerable financial commitment to saving money now to provide a future income. Remember, even small amounts of savings can accumulate significantly over time. No matter when you start investing for retirement, the key factor to success is to start as early as possible and to stay invested as long as you can. The longer you hold your retirement investments, the more they will benefit from compound growth.
How can we help?
Retirement planning: Part of the financial planning process is determining how much income you will need at retirement. Identifying the different sources of retirement income available and quantifying the amount of income you can expect. Determining the dollar value of your government pension entitlements (CPP and OAS,) company pension plan and your own personal savings and/or valuations on the eventual sale of business assets or real estate are all part of your potential sources of retirement income. The Certified Financial Planners at Kevin O'Brien and Associates have the knowledge and experience to help determine your retirement planning needs and will implement a savings plan, lower your taxes and build a solid investment portfolio for long-term growth and income.
Severance packages or at retirement: Retiring and deciding on the choices you have with your employer pension plan or severance package can be a complex and confusing task. We are the experts that can help analyze your options and present your choices in clear concise terms. In a language you can understand.
Investment Services: Already retired but not happy with your portfolio or current advisor? Call us for a second opinion. If appropriate we will provide an alternative method of achieving your retirement income goals, one that is suited to your risk tolerance and based on your comfort level.
In my role as a Certified Financial Planner, I am dedicated to developing a personal integrated financial plan with your goals as a guide. In some cases comprehensive investment counseling may require more than one advisor. I have assembled a team of professionals with extensive experience to assist you. Depending on the complexity of your situation, a number of specialists may be required that are not from our firm. As part of our Private Client Service we will draw on relationships with specialists that are known to us to suit your needs.
N.B. For Private Client Service, we require a minimum of $1 million in assets.