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Pre-Retirees And Retirees

Build A Retirement Plan Around The Life You Want

You’ve spent years building your wealth. Now you need to understand what it can support.

Carney Lyster & Associates helps pre-retirees and retirees bring their income, investments, tax strategy, estate plan and insurance together.

You’ll have a practical plan for how you want to live, spend and support the people who matter to you.

Know What Your Retirement Paycheque Will Look Like

Retirement can feel uncertain when your income no longer comes from one regular paycheque.

We’ll help you understand how your retirement income may come together through:

  • Registered and non-registered investments
  • Workplace pensions
  • Government benefits
  • Corporate savings
  • Other income-producing assets

Your plan should show what you can draw, where the money will come from and how those choices may affect your taxes.

Understand What You Can Comfortably Spend

Retirement planning isn’t only about making your money last. It’s also about knowing what you can enjoy.

A retirement financial planner can help you answer questions such as:

  • How much can I safely spend?
  • Can I travel more?
  • Can I help my children?
  • What happens if my expenses increase?
  • Will my money last throughout retirement?

We’ll use real numbers to turn those questions into informed decisions.

Connect Your Income, Tax And Estate Plans

Your retirement income strategy can affect the value of your estate. Your investment withdrawals can affect your tax bill. A gift to a child can affect your future security.

Our financial advisor retirement planning process considers these connections together.

We’ll help you use your wealth thoughtfully, reduce avoidable tax and protect what you want to leave behind.

Prepare For Life’s Changes

Retirement rarely unfolds exactly as expected.

Your spending, health, family circumstances or housing needs may change. We’ll update your plan and help you think through decisions you may not have considered yet.

This may include:

  • Adjusting your retirement income
  • Helping family financially
  • Reviewing life insurance
  • Updating your estate plan
  • Selling or downsizing your home

Make A Thoughtful Downsizing Decision

Downsizing for seniors involves much more than choosing a smaller property.

Selling your home may affect your cash flow, investments, taxes, lifestyle and estate.

When you’re considering how to downsize your home for retirement, we’ll help you understand how the decision fits into your broader financial plan.

Stay Connected To Your Advice

You shouldn’t feel as though you haven’t heard from your financial advisor in years.

You can expect regular communication, structured reviews, ongoing plan updates and timely answers when questions arise.

Start Planning The Retirement You Want

You shouldn’t have to guess what your retirement will look like.

Book a meeting with our team to start building a coordinated plan for your income, spending, investments, tax strategy and estate.

Book a Meeting

 

Carney Lyster & Associates
Private Wealth Management
IG Wealth Management Inc.
Mutual Fund Division

Contact

  • 905.874.6280
  • 1.833.874.6280
  • james.carney@igpwm.ca

Connect

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Mutual funds and investment products and services are offered through the Mutual Fund Division of IG Wealth Management Inc. (in Quebec, a firm in financial planning). Additional investment products and brokerage services are offered through the Investment Dealer, IG Wealth Management Inc. (in Quebec, a firm in financial planning), a member of the Canadian Investor Protection Fund.

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Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by The Canada Life Assurance Company (outside of Québec). Mortgages are offered by Investors Group Trust Co. Ltd., a federally regulated trust company, and arranged by nesto inc. Licences: Mortgage Brokerage Ontario #13044, Saskatchewan #316917, New Brunswick #180045101, Nova Scotia #202507230; British Columbia, Alberta, Manitoba, Newfoundland/Labrador, PEI, Yukon, Nunavut, Northwest Territories. Mortgage advisors are licensed professionals and equivalent to the following titles per province: Sub Mortgage Broker/Mortgage Broker in British Columbia, Mortgage Associate/Mortgage Broker in Alberta, Associate/Mortgage Broker in Saskatchewan, Salesperson/Authorized Official in Manitoba, Mortgage Agent/Mortgage Broker in Ontario, Mortgage Associate/Mortgage Broker in New Brunswick, Associate Mortgage Broker/Mortgage Broker in Nova Scotia, or Mortgage Broker in Newfoundland & Labrador.

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