Pre-Retirees

Senior man giving woman piggyback ride through autumn woods

At CWF Group, we help you retire with confidence. We have expertise in helping you prepare to leave the workforce and enter the next exciting chapter of your life.

Some of the questions pre-retirees often come to us with include;

How much will I need in retirement?
Am I saving enough?
When can I retire?
When should I begin taking Canada Pension Plan and Old Age Security?
How much should I have in income producing investments?
Will we need to make adjustments to our standard of living?
How do I tap equity in my home if I need to?
How do we protect and transfer our estate?
How can we create a family legacy?

Through our Advice Process, we’ll create a detailed financial plan that will give you a road map to retirement … and beyond. Additionally, we’ll create an Investment Plan and manage your investments to combat the three biggest threats to a long and enjoyable retirement:

Longevity Risk – The risk of running out of money before you run out of life.
Inflationary Risk – Increasing your income annually to keep pace with the rising cost of health care and other expenses is critical.
Investment Risk – Determining the investment mix that is just right for you so you can sleep at night is one of the most important parts of retirement planning. Too much market risk and you may sell out of your portfolio during bad times, and too little market risk you may run out of money during retirement or not have enough income to pay for your desired lifestyle.

CWF Group lends clarity to these questions and so many more. To find out more click here to speak with one of our specialist.

Testimonials

A.C., Business Analyst

“Don’t waste energy worrying about end results. Worrying only distracts you from living day to day and enjoying life. Get a CWF Advisor and all your problems are gone.” _______________________________________________________________.

S.C. and Family

“We were referred to CWF by a lawyer colleague who is familiar with insurance company litigation. He deals with insurance matters and advised us that if we were considering insurance, Advisors at CWF are the best in the business.” _______________________________________________________________.

A.A.,Writer

“Financial Planner with Exceptional Insight. I want to offer once more my thanks for the wonderful things you do for the community and, as well, the kindness and wisdom you radiate when we speak. You are a person of exceptional insight and a planner with that rarest of qualities – imagination. And you can tell ’em I said so.” _______________________________________________________________.

Dr.S.T. & Dr.C.K., Family Physicians

“My wife and I are both doctors, so we needed to understand everything and our advisor took the time to explain things in great detail. He didn’t pressure us and helped us make the right decision. We both highly recommend CWF and its team of advisors.” _______________________________________________________________.

Dr.A.H., Family Physician

“Over the years I’ve worked with many Financial Advisors. But the Advisor I have felt the most connection with is my current CWF Financial Advisor. Technically proficient and knowledgeable, yet caring and friendly.” _______________________________________________________________.

Y.F.F. and Family, New Immigrants

“We were looking for a fresh start in a new country and we found it in Canada. The warmth of the people at CWF Group more than makes up for the cold weather in Ontario. CWF Advisors are great to work with. We learned everything we needed to know about the immigration process, investing in Canada, insurance products and the Canadian culture.” _______________________________________________________________.

R.S., Financial Advisor at TD Canada Trust

“Thanks for the great information you gave me in our life-changing discussion, and thanks for the mortgage information.” _______________________________________________________________.