At Retirement Navigator we are continually developing new resources.

Time-tested tools, tips and rules for success.

Our goal is clear: to work with you to develop a personalized retirement income plan that will enable you to live life on your terms, secure in the knowledge that you will not outlive your money.

At the end of the process, you will receive a documented plan that outlines a step-by-step, year-by-year action plan, giving you the clarity, confidence and anticipation you deserve, so you can do more – and worry less.

A selection of our retirement planning tools, including our popular CPP Optimizer and 10 Rules for Successful Retirement Income Planning, are available here for you to explore, while others are available exclusively to our clients as part of our C3 Process™.

CPP Optimizer
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Elegantly Simple Tools
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Free Guides
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The best way to
predict the future
is to create it.

- Abraham Lincoln

These rules are the foundation of our C3 Process and will be incorporated into your personal plan.

10 rules for sucessful retirement planning.

1. Take ownership in your future success

A plan is not a plan until the people who have to live it have played an active role in crafting it. The level of commitment one has in performing tasks is directly proportional to the confidence you have that these activities will lead to successful achievement of the life outcomes most important to you.

2. Your retirement income plan is not a static product

Confidence in your retirement income plan comes from testing it, stressing it and re-adjusting it as life unfolds. Only by engaging in a planning process that evolves with your life will you achieve success and security.

3. Link your life plan to your financial plan

The key to financial success in the second half of life is to directly connect your desired life plan to your investment plan. If your money managers do not have an intimate understanding of your year-by-year cash flow demands or the specific portfolios you plan to source these funds from, you are not getting the level of protection – or service – that you deserve.

4. Create forward knowledge of how much you need & when you need it

Better financial decisions will always be made when you have advance knowledge of the what, the when, and the how much of your desired lifestyle. People who blindly chase the unknown amount of "more" are the people who make the most financial errors.

5. Don't trust your future to 'rules of thumb'

Conventional wisdom that served past generations well is no longer applicable. Baby Boomers are in the process of redefining retirement. Tremendous new opportunities exist for those who find them. Devastating risks await those who fail to recognize the new reality.

6. Embrace variability, not averages

Life is not a straight-line average and this reality won’t change after you retire. The second half of life passes through three distinct phases – your Go-Go years, your Slow-Go years and your No-Go years. Each have distinct differences in spending, which may sometimes include expenses such as the need to purchase a new vehicle, replace a roof, buy a new furnace, and/or fund special vacation plans. Significant financial advantages are available to those who embrace the reality of the variability in annual spending over the second half of life. Most of these significant strategic financial opportunities lie in the valleys between the years of higher spending.

7. Don't do what you have always done

Too few people realize that the investment strategies that served you well during the first half of your life, turn and work to your disadvantage during the second half of life. When the flow of funds switches from adding to your investments (saving years), to drawing down on them (spending years), many investment strategies turn on their head, and quickly turn punitive. For example, 'dollar cost averaging' turns to 'dollar cost ravaging' and 'tax deferral' leads to expensive 'tax traps'.

8. Optimize your recurring retirement income streams

Just like tuning a race car, the best performance is achieved when all parts of the system work together optimally. Your retirement income plan is no different; to get the most out of it your plan needs to be optimized. Integrate your recurring income streams (Canada Pension Plan, Old Age Security, Defined Benefit Pension Plan, Annuities, etc.) with all other elements of your plan to maximize the benefits you receive.

9. Tax planning is a critical success factor

Taxes don’t stop with retirement and neither do the opportunities to create tax efficiencies. For many, effective tax planning in retirement can yield greater benefits than it did during their working years. However, similar to changes in investment strategies, those who continue to rely upon the tax strategies of the first half of life will create a myriad of punitive tax traps during their second half.

10. Make small mistakes

Mistakes will be made; all money managers make them. The difference between a good money manager and a bad one is that a good money manager keeps their mistakes small. A money manager whose first priority is to protect you during significant market downturns is critical if you hope to avoid the 'mathematics of catastrophe'.

Our C3 Process will provide you with clarity around what's really important to you.

Gain the confidence of knowing that
your retirement plans are achievable.

Knowing what you want to do, when you want to do it and how big you want to do it, will give you the confidence to make better choices about how to fund your desired retirement lifestyle.