Helping Pre-Retirees Achieve Financial Peace of Mind
You’re 45+, approaching retirement, and want to secure your financial future. We’ll guide you through managing investments, savings, and planning for life after work.
Ready to Retire?
Are your retirement savings on track? We’ll help you navigate taxes, investments, and healthcare costs to make informed decisions for a secure retirement.
We create a retirement income plan that balances your withdrawals from all accounts. This minimizes your taxes and ensures your portfolio supports your lifestyle right to the end.
The optimal time to draw from CPP and OAS depends on your health, income needs, and other assets. We provide a tailored analysis to maximize these benefits while reducing taxes.
We implement tax strategies like income splitting, strategic RRSP withdrawals, and timely RRIF conversions. This ensures you retain more of your wealth while staying onside with CRA.
We evaluate your risk tolerance and time horizon, and our portfolio management team will rebalance your portfolio to include the appropriate investment mix while maintaining growth potential.
We run a full analysis of your workplace pension plan and appropriately implement a strategy that maximizes your income and flexibility based on your pension schedule.
We help you create a comprehensive estate plan, including wills, trusts, and tax-efficient asset transfers. This ensures your wealth passes on smoothly to your loved ones with minimal legal and tax complications.
A Trilogy Wealth Success Story
See how one pre-retiree took control of their finances with Trilogy Wealth’s tailored strategies, achieving clarity and peace of mind as they approached retirement.
James & Julie
James and Julie, a couple in their late 50s, were within five years of retirement and felt uncertain about whether their savings were sufficient to sustain their lifestyle. Most of their retirement funds were in RRSPs, which posed a potential tax burden upon withdrawal. Julie also had a sizeable workplace pension plan that offered a few options as she entered into retirement. They were also unsure how to proceed with the pension and draw down their savings in a way that would optimize their retirement income and minimize taxes to ensure their savings would last.
Our Approach
The Trilogy Blueprint provided a thorough review of their financial situation, including analyzing their RRSPs, the workplace pension, and other savings. This included a customized retirement income plan that staggered withdrawals and split pension income to reduce their overall tax liability. Additionally, we utilized TFSAs to shelter future investment growth and provide further income flexibility later in retirement.
Their Results
James and Julie now have a clear, tax-efficient retirement income plan. They feel confident about their financial future, knowing they can maintain their lifestyle while minimizing taxes. By appropriate repositioning of their assets and strategic withdrawals, they reduced their projected lifetime tax bill by over $175,000.
Trilogy Wealth Pricing for Pre-Retirees
Our personalized financial planning approach helps pre-retirees:
• Gain clarity and control over their finances heading into retirement
• Spend more time doing what they love
• Secure their financial future with confidence
Trilogy Blueprint.
A one-time financial plan designed to address your unique needs and set you on the path to financial success.
For Individuals
Four meetings to create a tailored financial plan that aligns with your goals and helps you build wealth.
For Couples & Families
Four meetings to develop a personal financial plan that supports your family’s present and future needs.
Trilogy Roadmap.
An ongoing plan built on your One-Time, Trilogy Blueprint, with accountability, service & implementation to help you stay on track.
For Individuals
Continued planning and implementation guidance to and through retirement to ensure confidence at every step.
For Families
Ongoing support, guidance and implementation for your entire family.
Looking for Full Financial Planning?
Let us handle your finances and investments so you can focus on what matters most.
Investment Management (Optional)
Financial Clarity Starts with a Conversation
A simple, no-pressure conversation is all it takes to start building a clearer financial future. Let’s chat about your goals, challenges, and how Trilogy Wealth can help you get there—book your free assessment today!
Financial Tips and Strategies for Every Stage of Life
Explore our blog for expert advice on wealth management, tax planning, and career transitions, tailored to help you achieve financial success at every stage.
Talk With an Advisor Today
Book your free assessment today to get a better grip on your finances—it all starts with a simple, laid-back 20-minute call.
Our calls are totally stress and pressure-free. Guaranteed.