RETIREMENT PLANNING
Live Your Best Life
Planning for retirement is about more than investment growth, something you can’t control; it is about you and what you can control. We will review all your income streams, expenses and dreams. We will contrast and compare a variety of influences such as changing health, life expectancy, the desire for a range of activities and pursuits, family obligations, and the steady climb of the cost of living. Exploring your options to fill the GAPS is what we do. You will be working with a professional Financial Planner, Registered Retirement Consultant RRC® and Myers-Briggs coach. You can choose in-person or on-line learning options.
To keep the conversation going you can add as many sessions as you need and when you need them.
Using a comprehensive, collaborative approach, we will:
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Explore your expectations and dreams, housing, and aging in place options.
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Review your potential sources of income: savings, employer and public pensions such as Canada Pension Plan (CPP) and Old Age Security (OAS), etc.
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Define how much money you will need to retire, the impact of inflation on your retirement income and your target date options.
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Create a budget to facilitate your retirement living.
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Review when, why, and how to convert your savings (RRSPs, TFSA, etc.) into income and the tax implications.
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A Report is available for an additional session.
MINIMUM 3 SESSIONS $600 + GST ($150 per session for individuals)
Includes Back Office Planning
Add sessions @ $200 ($150 for individuals) per session as often as needed to adapt your plan.
What our clients are saying
My husband and I originally saw Karen with respect to getting our finances in order as we felt like we weren't getting ahead. After talking with Karen in our FIRST meeting, she put us at ease saying that we were in the same boat as a lot of other folks our age-and better than some! Karen kept the terms she used easy for us to understand, she was very thorough in making sure we understood exactly what she was saying. I don't say it if I don't mean it and I would highly recommend Karen Fenske.
Lorna & Scott 2022
Here are some descriptions that we believe are representative (of Karen):
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Does not pass judgement on your past financial decision making
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Communicates clearly without being condescending
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Sense of humour
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Trustworthy with your financial information
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Lots of real world experience with families & individuals gives us confidence in her advice
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Lets you make an informed decisions with respect to your financial goals (i.e. This is the effect on your retirement funds if you buy that $80,000 vehicle)
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Seeks to understand you so that she can offer salient questions on your future goals (i.e. Are you sure that $80,000 vehicle fits your lifestyle?)
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Not associated with any financial institution so we can be comfortable with receiving unbiased financial advice.
Paul & Kim 2022
I have appreciated your patient and caring work navigating a financial world that is so unfamiliar to me! Helping me plan for my financial needs in retirement has given me peace of mind. I have felt no anxiety under your skillful expertise. Thank you! Kathy 2022
Karen has straightened me out financially. Talking to her has given me much more progress in my later years. I rely on her completely.
Sandi 2022