Comfortable Lifestyle in Retirement | RIPOC

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Retirement Income

Planners of Canada

Defining Retirement Income

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David Little

Retirement Income Planner and Founder, RIPOC

Over the last 34 years I have worked with Canadians to build their wealth, while educating individuals about the importance of a personalized wealth plan and tax-smart investing, the essentials of retirement income planning.

Yes, that is correct: retirement income planning, more than retirement planning.

Most individuals will spend their working lives in what we call the accumulation phase, up to their age of retirement. What happens after this retirement milestone is reached...

N A R R A T I V E

Retirement Income Planning

Retirement income planning is also not about chasing returns. Rather it is about providing a sufficient return that takes the “what if’s” out of the retirement equation and removes the retirement anxiety that comes with the question, “Will I have enough?”

Efficient Taxation

The more money you make from work or investments, the more taxes you pay.

It is as simple as that but taxation is not. You need specific advice on how to take advantage of all the tax strategies available to achieve efficient taxation.

The value of your estate will be determined by your deemed dispositions, all holdings that are “sold” or liquidated when you die ... your estate could face a tax consequence of more than 50-70%, making the government the biggest benefactor of your estate!