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Financial Planning
Retirement Planning

Retirement Planning

Enjoy Your Golden Years With Sound Planning

Whether you plan to travel, pursue new hobbies or just maintain your current lifestyle, you'll need to invest your savings to turn those dreams into reality. If not, you could be disappointed and your golden years less enjoyable.

Because of that, contributing to a Registered Retirement Savings Plan (RRSP) is essential. The money you invest in your plan today is deducted from your taxable income and grows tax sheltered until you retire. When you retire and are typically in a lower tax bracket, you can begin to withdraw income from your accumulated assets. With the tax advantages RRSPs offer, these plans should constitute the backbone of every Canadian's retirement-saving strategy.

Retirement Strategies To Meet Your Needs

As you progress through life, you'll need to develop your retirement strategy as follows:

  • Planning
    The earlier you begin saving, the larger your nest egg is likely to be
  • Accumulation
    Taking control of retirement assets to meet your investment goals for the future
  • Payout
    By understanding your RRSP maturity options, you'll be able to organize your assets to ensure an adequate cash flow at retirement

Solutions No Matter What Stage You're At

No matter which part of the retirement planning cycle you're in, our Investment Advisors can work with you to help you fulfil your retirement dreams. CIBC Wood Gundy offers solutions to meet your individual goals.

For RRSPs and RRIFs, we can deliver the following solutions:

  • Self-Directed Plan
    Offers flexibility, control and broad investment choice
  • Fund Partner Plan
    Gives you a choice of more than 100 mutual funds with no annual administration fee
  • Locked-In Registered Plan
    If you have transferred out of a pension plan, we can provide you with the necessary registered vehicle for your investments

We're Here To Help

Your CIBC Wood Gundy Investment Advisor will help you design a retirement plan to fit your needs or adjust the strategy you already have. Use our Find An Advisor tool to locate a CIBC Wood Gundy Investment Advisor near you.

The information contained herein is considered accurate at the time of posting. CIBC and CIBC World Markets Inc. reserve the right to change any of it without prior notice. It is for general information purposes only.

Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

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