Retirement savings and income

Growing your assets. Together.
Is this the service for you?
  • Whether you are saving, receiving a lump sum or earning income from your savings, we will help you understand and take advantage of the complex financial world. When you retire, our role will be to help you create a stable, long-term income, while ensuring tax-efficient treatment.
  • Helping you determine your objectives
  • Develop an investment strategy based on your objectives
  • Create a stable income
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 :

  • Dollar cost averaging
  • 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
  • Annuities
  • 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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