Optimization of retirement income

Structure your investments to maximize your tax benefits.
Is this the service for you?
  • Take advantage of our team of experts to develop a strategic roadmap based on your objectives (e.g.: retirement plan, specific needs, financial security). At different stages of your life, follow-ups will be carried out to ensure the consistency of the strategies in place.
  • Whether you are accumulating wealth, receiving a lump sum or enjoying your savings, we help you understand and navigate the complexities of the financial world. In retirement, our role is to help you create a sustainable and tax-efficient cash flow.
  • Optimize the return on your investment
  • Protect and increase the potential for a superior return on your assets
  • Identify investment opportunities in tax-advantaged categories
  • Reduce your tax bill
  • Optimize cash flow
  • Optimize tax efficiency based on a review of the accounts
  • Selec the optimal asset classes to maximize your income strategy
More information

Many want their retirement plan to achieve some or all of the following objectives:

  • Finance a desired lifestyle, which requires a certain income stream
  • Ensure you have enough money during retirement
  • Relieve the tax consequences

Have the ability to access money for emergencies such as health care costs, home repairs, etc.

In the accumulation phase of your retirement, we will work with you to structure your retirement plan so that you can achieve your goals. Our strategies include :

  • Staggering dollar costs
  • The rebalancing of the financial portfolio
  • Risk management through tactical asset allocation

We’ll also help you choose the right “decumulation” strategy that determines whether or not your retirement is suitable.

Many of us may have different sources of income in retirement. We’ll look at the possibility of integrating multiple sources of income and the tax implications of your withdrawals:

  • Employer’s benefit
  • Government Programs
  • Registered and non-registered investments
  • Announcements
  • Rental income or professional activity
  • Part-time jobs

Alliance Wealth Management is a program provided by Credential Financial Strategies Inc. offering financial planning, life insurance and investment services to members of credit unions and their communities. Trademarks of Alliance Wealth Management are used under licence by Credential Financial Strategies Inc. Mutual funds, other securities and security-related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Mutual funds and related financial planning services are offered through Credential Asset Management Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Financial planning services are available only from advisors who hold financial planning accreditation from applicable regulatory authorities.

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