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RETIREMENT PLANNING

Retirement planning is about much more than simply saving money - it’s about creating clarity, confidence, and a sustainable income strategy that supports the life you want to live.

At Bow Valley Private Wealth Management, our retirement planning process is comprehensive, personalized, and designed to answer the most important questions our clients face:

  • When can I retire?

  • How much can I spend—without running out of money?

  • How do I minimize taxes throughout retirement?

  • What happens if markets change, health changes, or life changes?

A Clear Picture of Your Retirement

We use state-of-the-art financial planning software to bring together every aspect of your financial life—personal assets, registered and non-registered investments, pensions, corporate income, insurance, and government benefits—into one clear, integrated retirement plan.

This allows us to:

  • Model multiple retirement scenarios

  • Stress-test your plan against market volatility and longevity

  • Adjust strategies proactively, not reactively

  • Provide clear, visual answers—not guesswork

Designing Your Retirement Paycheque

A key focus of our retirement planning is creating a tax-efficient retirement “paycheque.” Rather than simply drawing income from one source, we carefully coordinate withdrawals across:

  • RRSPs, RRIFs, TFSAs, LIRAs, and pensions

  • Non-registered and corporate investment accounts

  • Government benefits such as CPP and OAS

In many cases, delaying CPP and OAS can significantly increase lifetime income and reduce long-term tax exposure. We analyze whether early, standard, or delayed benefits make the most sense for your specific situation.

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Tax-Efficient Strategies for Business Owners

For incorporated clients, retirement planning becomes even more powerful. We integrate:

  • Corporate dividend income strategies

  • Corporate-class investment structures

  • Return-of-capital income planning

  • Insurance-based retirement strategies

These tools allow us to lower personal tax bills, smooth cash flow, and preserve wealth more efficiently over time—often creating retirement income with significantly less tax drag.

Planning for the Long Term

Our retirement planning also considers:

  • Inflation protection

  • Healthcare and long-term care needs

  • Survivor income and estate implications

  • Intergenerational wealth transfer

We don’t just plan for retirement—we plan through retirement.

Peace of Mind Through Clarity

Clients consistently tell us that the greatest value of our retirement planning process is peace of mind. Knowing that your income is structured efficiently, your taxes are minimized, and your plan adapts as life evolves allows you to focus on what truly matters - family, health, and enjoying the years ahead.

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