Whether you’re retired, preparing for retirement or running a business, using an integrated planning process, we’ll work with you to build a customized financial security plan that best fits your needs, helps you manage risk and brings your goals within reach.
Financial security planning is about more than just retirement planning; it’s about building a financial
strategy that considers your immediate needs and your long-term goals and dreams.
Using the Freedom 55 Financial security planning process, we’ll:
Help you define what financial freedom means to you
Help analyze your current situation, goals and dreams
Help identify any roadblocks to achieving your goals
Work with you to build a financial security plan that considers your short and long-term goals
Regularly review your financial security plan, ensuring it evolves with your changing needs
Four cornerstones of financial security planning
Whether your goals are long-term (such as retirement) or more immediate (such as starting a business or saving for a child’s education),
we can help you build a financial strategy tailored to your needs and those of your family.
In developing your financial security plan, we’ll consider the four cornerstones of financial security planning:
Financial security at death
When you die, how can you help safeguard your estate for your family?
How much income will your family need?
How will inflation affect this income?
Would you like to retire early or reduce the time you spend working?
When you retire, what type of lifestyle do you envision?
How much income will you need to retire comfortably?
How will inflation affect this income?
Do you have access to cash or liquid assets (i.e. assets that can be easily converted to cash)?
Disability and critical illness
How would a critical illness or disability affect your income?
Would a reduced income affect your retirement savings and would this reduction affect your lifestyle?
How much disability or critical illness insurance coverage is enough?
If you become critically ill or disabled and take time off work, how will inflation affect your income?
If you become critically ill or disabled, will provisions in your group plan allow you to continue saving for your retirement?
We want to understand your needs, recognizing they may change as you proceed through life’s stages.
As you start your career, you may want to:
Purchase life and disability insurance to cover your income or protect your ability to earn an income
Purchase term life insurance or critical illness insurance as a cost-effective way to cover an outstanding mortgage or debt
Purchase health and dental insurance coverage if your employer does not offer a group benefits plan
Having children changes your life and your needs. Now is a good time to:
Review your financial security plan
Plan for your children’s education with options such as registered education saving plans (RESPs)
If you own your own business, you may want to:
Consider business continuation, buy/sell agreement funding and key person insurance as part of your business planning
Buy insurance to help cover outstanding business loans or mortgages if you die or suffer from critical illness
Purchase a health and dental insurance plan
Consider group insurance options for your employees
If you are retired or plan to retire soon:
Insurance can help supplement your income and can help you leave a legacy
Health and dental insurance coverage can take over if your benefits through your employer end upon retirement
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The information on this website is intended for residents of Ontario only.
Insurance products, including segregated fund policies, are offered through Intrepid Financial Solutions Inc.,
and Craig MacKenzie, Nicholas Harrison, Tony Leith, and Heather Woods offer mutual funds, referral arrangements, and GICs through Quadrus Investment Services Ltd.
Important information about mutual funds is found in the Fund Facts document. Please read this carefully before investing. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed,
their values change frequently and past performance may not be repeated. Unit values and investment returns will fluctuate.