Retirement Planning

Retirement shouldn’t be a question mark—it should be a plan.

Whether you’re just beginning to think about retirement or already have a savings strategy in place, it’s never too late—or too early—to prepare. At Cornerstone Capital Financial Group, we help individuals, families, and business owners create personalized retirement strategies designed to provide clarity, confidence, and income for life.

Retirement is one of the biggest financial transitions you’ll ever face. We’ll guide you through it with the right tools, timing, and strategies to help you enjoy the years you’ve worked so hard for.

Our Approach to Retirement Planning

Retirement planning goes beyond RRSPs and TFSAs. It’s about aligning your savings, investments, income sources, and tax strategies with your unique goals, lifestyle, and time horizon. Whether you’re 25 or 55, the goal is the same: to build a retirement plan that lasts a lifetime.

Our retirement planning services include:

Personalized retirement income projections
Tax-efficient withdrawal strategies
RRSP vs. TFSA guidance
CPP, OAS, and other government benefit coordination
Pension integration
Business exit and succession planning
Spousal strategies and income splitting
Longevity and inflation protection
Estate planning and legacy goals

Through a personalized review, we assess whether your current portfolio positions you to meet your goals without taking on more risk than necessary.

The 7 Keys to Retirement Planning Success

1.

Determine Your Retirement Income Needs

We begin by evaluating your current financial picture and calculating how much income you’ll need—and where it will come from—when you retire. This includes pensions, CPP/OAS, investments, business assets, and more.

2.

Save Now, Start Now, Stay Invested

Even small contributions can add up over time. A pre-authorized deposit plan keeps you consistent, and the longer your money stays invested, the more time it has to grow through compound interest.

3.

Diversify Your Portfolio

Smart asset allocation is critical to long-term growth and risk management. By blending income, growth, and safety-focused investments, you can reduce volatility and improve your chance of success—even through market uncertainty.

4.

Start Early

The earlier you begin, the more powerful your retirement savings become. Starting in your 20s or 30s gives compound growth time to work its magic. But don’t worry—it’s never too late to start.

5.

Contribute Regularly

Consistent, manageable contributions often lead to better outcomes than waiting until year-end. Monthly savings habits are easier to maintain and less stressful on your cash flow.

6.

Maximize Contributions

Contributing the full allowable amount to your RRSP, TFSA, or both can significantly increase your retirement savings—and reduce your annual tax bill. We’ll help you determine which vehicle best fits your income and tax strategy.

7.

Treat Your Retirement Savings as Untouchable

Unless part of a well-thought-out plan, withdrawing from your RRSP or TFSA early can create tax consequences and erode your future security. We help you build financial resilience without sacrificing long-term goals.

Retirement Planning for Business Owners

If you’re a business owner or incorporated professional, your retirement strategy likely extends beyond personal savings. We’ll help you explore:

Corporate investment planning
Tax-efficient compensation strategies
Business succession or sale planning
Use of Individual Pension Plans (IPPs) or Retirement Compensation Arrangements (RCAs)