I’m at the peak of my earning years. What’s important to me right now is making the most of my investments and planning for retirement.

At this stage in life, you may have more disposable income and less debt – perfect conditions for planning for your eventual retirement! The key is to maximize retirement income while minimizing the taxes you’ll still be expected to pay. A general guideline is to assume that you’ll need to replace 70 – 80% of your pre-retirement earning. Are you on track?

Take time to review your investment portfolio and make adjustments to your asset mix. If you’re concerned about having enough money for your retirement and are in a good position now, you may want to consider taking advantage of programs that will help you accumulate wealth faster by borrowing to invest.

Evaluate your current insurance policies and consider adding critical illness coverage or an insurance product that combines financial protection with an investment component. An innovative Universal Life insurance plan, combining life insurance, critical illness protection and investment options, may give you just the flexibility you need.

Early retirement, downsizing and severance or buy-out packages have become buzzwords for the times. If you’re considering or have been handed one of these options, you’ll need to determine what to do with the severance proceeds and any pension rollouts.

Ask a knowledgeable independent advisor about using the earning years to your advantage.

Planning for Retirement
Reducing Taxes
Elite Investment Program
Borrowing to Invest
Critical Illness
Universal life insurance
Why Use an Independent Advisor?