We’ve been working with the education community a long time (since 1975) – which means we’ve seen educators through from their first day on the job, to retirement and beyond. So when it comes to financial planning that works with your needs, goals and where you happen to be in your career (and in life), we can provide you, and your family members, with the kind of insight you just won’t find anywhere else.
If you’re looking to take advantage of a Deferred Salary Plan (such as 4 over 5), we’re in a prime position to help you organize your finances year-by-year, ensuring that by year five, you’re free to travel, work on home renos, expand your education – or do whatever else you have in mind.
Depending on your school board/district and collective bargaining agreement, you may be entitled to receive a gratuity at the beginning of your career, or upon retirement. We can help you come up with a financial plan to make the most of the gratuity you receive in order to minimize tax implications, and maximize interest potential through investing.
We understand that working your way up the pay grid means enhancing your education – which costs money. We also understand that for early educators, money can be tight. If you think it’s time for career advancement, contact us. We’ll work with you to develop a financial plan that can help you to build up your savings so that you can pursue your educational goals and move yourself to the next level.
With educators tending to retire earlier than those in other professions, we understand the value of being a part of a community that receives a pension plan such as OTPP or OMERS. And with many former educators spending approximately 30 years or more in retirement, it never hurts to have additional income to draw from so you can live your retirement dreams to the fullest. That’s where smart financial planning can make a significant difference to how you spend your retirement.
Having worked with a number of retired clients over the years, we’ve seen firsthand that those with fewer financial worries during retirement are the same clients who made planning outside of their pension a top priority. Because we’re familiar with OTPP and OMERS, our financial specialists can help you identify possible pension income gaps, then work with you to develop a financial plan to fill them in.
Put your financial plan into place: schedule a one-on-one
If you’re ready to start working towards achieving your financial dreams, book your free no obligation, one-on-one financial planning meeting today.
