Entering and enjoying retirement

Launch you into your retirement with a plan that’ll keep your golden years - glittering.

Years of working and saving have finally paid off and you're gazing at retirement. As your investments mature and your pension kicks in it’s time for a plan that’ll make the most of your money. We’re going to make this transition as smooth as possible - you’ve got relaxing to do! Leave the financial planning and stress to us.

STARTING RETIREMENT

Owning your own home, starting your own business so you can be your own boss, or travelling the world and making memories with family and friends - everyone defines wealth differently. No matter how you define it, our wealth consultants can help get you there.

Canadian Pension Plan (CPP)
Once you hit 18 (and were earning a wage), your money started contributing to the Canada Pension plan, a social insurance program that provides financial protection to contributors like you in the event of retirement, disability, or death. The higher your salary and the more time you’ve worked, the larger your pension will be.

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Chip Reverse Mortgage
Are you 62+ years old? Do you own your own home? You can take out a loan against your house that you don’t have to pay back as long as you live there. It’s that simple.

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Registered Retirement Income Fund (RRIF)
Basically, a reverse RRSP. While you were working you added to your RRSP pot and saving on your taxes every year. Now, you’re switching it over to an RRIF and drawing an income that money.

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INHERITANCE

INHERITANCE

All right. No one wants to think this far into the future, but everyone needs to. If you pass away without a plan, the government distributes your estate according to provincial law. The only way to ensure your wishes are fulfilled and your estate is protected is by planning ahead and making a will.

Making a Will
Everyone should have an up-to-date plan in place to ensure financial matters are resolved quickly and their loved ones lose as little as possible to taxation. An up-to-date will means regularly adjusting your plan as life events happen, you acquire new assets (and family members!), and make new investments. It’s best to work with a professional to make sure everything is up to scratch - that’s where we come in.

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Organizing your Estate
This is more complicated than simply picking heirs and dividing your belongings. You can start by determining all of your assets including pensions, investments, stocks and bonds, real estate, personal property, and anything you own jointly. You’ll also need to identify the beneficiaries for your RRSPs and insurance policies.

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Transferring Wealth
Protecting and transferring your wealth is a tricky business and we know how important it is to you and your family that it’s done right. We can help you manage your assets and gift them before your death, or establish trusts to protect your assets from taxation.

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UNEXPECTED EVENTS

Obviously, we want your retirement to be all blue skies and rainbows but in life, stuff happens. We want you and your family to be taken care of if and when they do.

Injury
Accidents happen - and injuries can be a major disruption. Let us connect you with the resources you need to get you up and moving again.

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Long-term Disability
Let’s be frank. The last thing you want to be worried about when this happens is your finances. Let us help you plan ahead and protect yourself to mitigate the financial setbacks, and point you in the right direction for additional support and services.

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We believe buying local and banking local helps us all grow.

You shop locally as much as you can, so why would shopping for a financial partner be any different?

When you sign up with YNCU, you're keeping every dollar you earn in your community - supporting the places where you live and work every day.

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How to retire in style

With modern medical advances and increased standards of living, people can plan on spending one quarter of their lives in retirement. Everybody has heard it before: it's never too early to start saving for your retirement. And that's because it's true.

 

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