Can We Help You?
Are you nearing retirement or recently retired?
Seeking to maximize your retirement income?
Looking to reduce income tax?
Consider yourself a disciplined saver?
If so, we can help!
MORE THAN RETIREMENT PLANNING
Gain peace of mind knowing your financial house is in order and you're on track for living your ideal life in retirement. You will receive a comprehensive financial plan that covers the following areas:
Financial & Tax Plan
This plan includes strategies and recommendations for optimizing your Cash Flow, Emergency Reserves, Net Worth, as well as managing any Debt and reducing Income Tax. You will receive income tax saving strategies to help reduce your tax bill now and in the future.
This plan answers questions such as ‘when can I retire?’ and ‘how much can I draw as monthly retirement income?’. We will identify how you are tracking to your retirement goals and strategies to optimize your plan. Recommendations will include an RRSP meltdown strategy and the ideal age to take CPP & OAS.
Great Exit™ Plan
This plan is focused on optimizing your exit into retirement. You will receive recommendations for optimal timing of your exit considering bonus payouts, stock options, vesting periods, taxation and pension implications. We will also evaluate loss of benefits and provide a post-exit income plan.
Risk Management Plan
This plan is focused on understanding and managing the financial risk in your life so you can stay on track to achieving your goals. We’ll start with a needs assessment and then review your current insurance in place to reveal any gaps or excess coverage. Then, we’ll provide recommendations for adjustments.
This plan is focused on clarifying your estate wishes and ensuring the proper plans are in place. You will receive recommendations for estate planning documents, beneficiary designations, ways to minimize income tax payable by your estate and considerations for reducing estate administration tax (probate tax).
This plan involves evaluating your risk tolerance and examining your current investments. You’ll then receive recommendations to fine-tune your Asset Allocation (Cash, Fixed Income, Equity) and Asset Location (TFSA, RRSP, LIRA, Non-Registered, etc.) to align your investments with your goals.
In addition to the strategic plans noted above, you will receive an Executive Summary that highlights the key points and action items for you to focus on.
Guided Retirement Planning was founded by Jennifer Daniel, a Certified Financial Planner® based in Ontario, Canada, with the goal of providing objective retirement planning advice.
Guided Retirement Planning is a fee-only financial planning service with no financial product sales or commissions and free of any third party conflicts. You can feel confident that the advice you will receive here is unbiased and 100% in your best interest.
Frequently Asked Questions
What is the cost?Guided Retirement Planning charges a one-time flat planning fee of $4,500 plus HST. There is no cost for the first 15 minute Intro Call or the 90 minute Complimentary Planning Session.
Can you help with my investments?In addition to Guided Retirement Planning, Jennifer Daniel also provides ongoing client service for investments and insurance through GP Wealth Management and GP Capital Insurance Agency Inc. If you wish to get help with your investments or buy insurance, we can discuss the options available and the compensation structure for those services.
How long does the planning process take?We aim to complete the full planning process in 8-12 weeks.
What if I don’t live in Ontario?At this time, we are focused on serving clients who live in Ontario, Canada.
Where are meetings held?All meetings will be held online, through the Teams platform. You will be emailed a link and will not have to download any software.