At retirement, Baby Boomers face an array of new choices not contemplated by previous generations.

Better choices, better life.

  • Longer Life Spans: People are living longer and healthier during their retirement. However, as longevity increases, so does the need for a longer-term income stream.
  • Demise of the Defined Benefit Pension Plan: Prior generations profited from the wisdom of highly skilled pension plan managers. Today, Baby Boomers need to make their own decisions about how to invest their savings, convert them to an income stream and protect them from inevitable market downturns.
  • Caught in the middle: Strapped by the responsibilities of caring for both their adult children and aging parents, Baby Boomers are facing additional financial strain.
  • Work optional: Previous generations had a clearly defined finish line that separated their working years from retirement years. Baby Boomers have chosen to transition from work to retirement, making the decision of when to relinquish your reliance on a pay cheque even more important.
  • Low investment yields: With traditional investment yields at unprecedented lows, Baby Boomers need to make alternate choices to securely fund their retirement.

Our C3 Process™ enables you to make better choices with Elegant Simplicity.

1. Last 10 years of saving

Our C3 Process™ will help you make better choices about when to stop contributing to RSPs and how much to add to other portfolio assets as you work to top up your savings, increase opportunities to reduce future taxes and maximize your cash flow over the balance of your life.

During the process, you'll explore the financial implications of your many retirement choices as they collide and interact with each other, giving you the clarity you need to determine if your choices are achievable and sustainable.

2. First 10 years of spending

Our C3 Process™ will help you gain a clear understanding of what you plan to do, when you plan to do it, how big you plan to do it, and the confidence of knowing how to best fund these retirement choices.

As part of the process, you’ll receive a formal retirement income plan containing funding 'recipes'' for each successive year, identifying which potential cash flow 'ingredients' (e.g. RSP, CPP, OAS, etc.) to use and how much of each to mix together. These recipes are specifically designed to optimize recurring income streams and minimize the amount of taxes you'll pay. The financial discipline of this process could add hundreds of thousands of dollars to your cash flow and net worth during your retirement years.

3. Risk Mitigation

Knowing how much money is needed on an annual basis and where to draw that money from empowers you to make better investment choices. Choices that will enable you to put pension-like mechanisms in place to protect your nest egg from inevitable market downturns.

Planning is bringing the
future into the present
so that you can do
something about it now.

- Alan Lakein

The C3 Process™ delivers the benefit of hindsight before you make your choices because gaining hindsight after is too late.

Clarity. Confidence. Convergence.

Income Planning
Process
1. Clarity

In knowing that the lifestyle choices you have made are truly possible

2. Confidence

In knowing the steps that must be followed to bring this life plan to fruition

3. Convergence

Choices made at a higher level lead to significantly more money, giving you greater certainty that you'll achieve your desired outcomes

Better choices at one level lead to better choices at higher levels


Direction
Better
Lifestyle Choices
Better lifestyle choices are made with the benefit of forward knowledge of what you choose to do, when you choose to do it and how big you choose to do it, along with the financial implications of pursuing these choices.
Funding
Better
Funding Choices
Once many of your retirement funding choices have been made, there is no recourse or redo. You will have to live with the impliciations for the rest of your life. Our elegantly simple tools allow you to quickly and easily test all of your choices and confidently select your best choices.
Tax
Better
Tax Planning Choices
Better tax planning choices are made with the benefit of forward knowledge of how much money you need and when you need it, empowering you to minimize the taxes you’ll pay over the balance of your life.
Investment
Better
Investment Choices
Better investment choices are made with the benefit of forward knowledge of specifically where these funds will be sourced from and how much will be drawn, allowing you to put pension-like mechanisms in place to protect your nest egg from inevitable market downturns.

Gain the security that comes from knowing you 'own' your future.

The C3 Process follows a disciplined, six-step process.

1. Understand

Learn how to use the elegantly simple tools of the C3 Process™. Let technology do the work, so you don’t have to.

2. Explore and discover

Explore the many lifestyle choices you are contemplating. Allow these choices to connect and collide to discover the future financial implications.

3. Achieve clarity and confidence

Clearly define what you plan to do, when you plan to do it, how big you plan to do it, and what you need to commit to, to ensure these outcomes occur.

4. Optimize your plan

Utilize the forward knowledge of how much money you need and when you need it to optimize your retirement cash flow and avoid the most common tax traps.

5. Mitigate market risk

Integrate your cash flow and taxation strategies into your investment plan to put pension-like mechanisms in place to protect your retirement nest egg.

6. Monitor Progress

Rely upon a disciplined review process to keep the plan current and identify how and when choices may need to be modified.

Life is the sum of all our choices.

Am I going to be OK?

A definitive answer to this question is not possible, until you have first clearly defined what your OK looks like, along with the associated costs and timelines. Properly defining your OK leads to significant financial advantages above and beyond the peace of mind that comes from knowing you will not outlive your money.