4000 4th Street SE, Suite 218, Calgary, AB T2G 2W3View on Map »

Retirement Planning

Retirement income strategies for Calgary & surrounding areas in Alberta

Our retirement income strategies have strong roots in math and science. They seek to solve the equation of how to fund life for the next 25 to 40 years without an employer paycheque while living the best life possible with the resources available, and not running out of money or income in the process.

The Affluence Partners financial planning team utilizes a proprietary planning process that will help you realize the most you can with your current resources by allowing you to objectively explore the many investment options and strategies available to solve the retirement income equation before you invest, not after. The result is an informed decision that creates a customized long-term retirement income and investment plan designed to see you to and through retirement.

We are different from most retirement investment planners as we take the perspective of viewing the retirement income plan through the retiree's lens and not our own. We focus on the behaviours and human nature as well as the math that leads to the most successful retirement outcomes.

This means that we consider behavioural and emotional criteria during the creation of your retirement income plan as well as showcasing products that address the best interest and needs of our clients even though there could be other products available that offer more favorable perks or compensation. As Certified Financial Planners, we uphold our professional obligation and core value to place our client's interests ahead of all others including our own. Our focus and training align with sourcing out products and suppliers that match this core value.

An example of this core value being expressed in action, is our willingness to model for our clients how a prescribed life annuity could benefit them by providing a guaranteed lifetime income and return any unused capital to their heirs or estate as part of their retirement income solution. We have committed additional time and financial resources to gain access to the most current pricing and market summaries for our clients of the Canadian Annuity Market through our continuous Cannex Exchange subscription since 2012.

We also assist our clients with their decision making on the timing of starting government benefit programs such as Canada Pension Plan (CPP) and Old Age Security (OAS). Taking it early isn't always the answer and end of day we feel it is important that our clients understand their whole picture in terms of the total after tax income stream prior to turning on the tap. From experience we have found that there is no one size fits all answer when solving the retirement income equation. Many of our clients have been surprised to learn that by changing their anticipated government benefit start date that they can sustainably receive much more income throughout their retirement. Before you make that important decision, wouldn't you like to know how it will affect your lifetime retirement income?

The cookie cutter approach isn't the best approach to the retirement income equation. There are just too many custom factors that feed into retirement income plan development. The financial planning team at Affluence Partners is fully committed to assisting our clients in making informed decisions. By providing several options for your consideration where we objectively share the pros and cons of each investment, we empower our clients to enjoy their retirement without worry.