This special feature from the Mid-November 2014 issue of Investment Executive examines such topics as; why your older clients should remain invested in equities, working in retirement, retiring in debt, strategies for snowbirds and much more.
November 7, 2014Clients worried about outliving their money can receive steady income, but these products are not all the same - some comparison shopping is recommended. And patience is key: The older the client, the bigger the payout
To offset inflation within an annuity, some insurers offer an indexing option, in which the payments that a client receives increase over time. But this option comes with the cost of considerably lower payments in the first few years of the contract
More Canadians are retiring with debt than ever before. Although this situation is not ideal, it can make sense for some clients - but only if they understand the issues they face
There are many errors that clients make while planning for their retirement. Many are related to their finances - including poor cash-flow planning and taking on too much debt - and stem from not being prepared emotionally for this phase
Although bond funds can be unpredictable, and generally perform less well than equities, careful selection and an eye on factors such as interest rates and inflation or deflation can do much to balance a retirement portfolio
There are various strategies that you can employ to ensure that clients' retirement savings last longer - and that they pay less taxes in the process. But you need to keep in mind that every client's situation has to be assessed individually
For many clients, working while collecting government and pension benefits is an appropriate solution to an income shortfall
Longer, more vigorous lives, combined with increasingly unpredictable markets and interest rates, demand flexibility, resourcefulness and expertise from financial planners
The 2025 ETF Guide provides a snapshot of how these products are evolving, from industry-wide trends to regulatory changes, along with some of this year’s…
Everything financial advisors need to know about this year’s federal budget
Follow our coverage of Bridging Finance Inc., a portfolio manager and exempt market dealer based in Toronto.
Disability insurance, annuities and much more