KLT Wealth Management | Retirement Planning

Retirement Planning

“Stay young at heart, kind in spirit,
and enjoy retirement living.”

Danielle Duckery

Retirement is one of the most significant changes a person will make, and as such, requires significant planning and preparation. No matter where you are on your journey to retirement, we’re here to help.

“The question isn’t at what age I want to retire, it’s at what income.”

George Foreman

Whether you have already established a Retirement Savings Plan or are just beginning, it is never too late to begin saving.

* Statistics Canada, Summer 2016 Perspectives and Labour Force Survey.

Planning For Retirement

A lot goes into planning for your retirement. Essentially, you are preparing to pay yourself an income that will fund your retirement dreams. Having a team to help you navigate and optimize your options is immeasurable. We're here to help by working with you to develop a plan that will address factors like:

When can you retire?
How much do you need?
Are you saving enough?
How do CPP & OAS factor into your plans?
Determining your goals for retirement.

Planning In Retirement

Retirement can stretch across decades. There are generally two stages. One, when you first retire, travelling and enjoying hobbies become the focus. Two, slowing down - perhaps due to health or simply to spend more time at home, many eventually shift focus in their later years. Questions can arise while enjoying retirement that need further planning. For example:

Coordinating different sources of income
How to fund extra expenses?
Can you age in your home?
Planning around care expenses
Helping children or grandchildren
Charitable giving and legacies
Consolidating assets

Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including KLT Wealth Management. As a client of Q Wealth, you may receive services from both Q Wealth and KLT Wealth Management. Note that individuals from KLT Wealth Management will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. KLT Wealth Management may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.