Retirement Benefits

By: The Living Benefits Group  09-12-2011

T he goal of every Canadian is to retire comfortably and to know that there will be sufficient funds to provide for an income for the rest of their lives. However, statistics show that less than 60 % of Canadians have any pension program at their work place and that only a very small portion of them are lucky enough to have a Defined Benefit Pension Plan. Most Canadians therefore will rely on CPP as a base, topped up with the sum of the investment returns of their contributions into a Defined Contribution Pension Plan, a personal RSP and/or the recently announced Pooled Registered Pension Plan program, to provide for their retirement. In any case, Canadians must take the responsibility to invest for their retirement. We help our clients develop, execute and maintain an appropriate program. Once established we continue to monitor, advise and education them on a regular basis. We review and discuss the complexities and fluctuations of the returns of their programs, we help to make changes and/or modification where appropriate and we encourage them to maintane the discipline needed to achieve their ultimate goal of a secure retirement.


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