It's Time to Chart Your Future.
RETIREMENT PLANNING
Would you like to know if you have enough?
Independent, holistic financial planning will reduce your fear of the unknown that is often associated with retirement. You can make your way to peace of mind and your exciting next stage of living.
Equip yourself with specific strategies, projections to 90, tax efficiencies, and options A, B & C. You will benefit from coaching to modify your financial habits before you stop working. You will have your questions answered, obtain new tools, and increase your knowledge to make sound decisions. Maybe all you want is a second opinion on "your numbers" - we do that too.
Working one-on-one online or in-person with Karen Fenske, a Registered Retirement Consultant (RRC®), Financial Planner, and Myers-Briggs Coach, you will benefit from her personalized approach, breadth of experience, and and genuine commitment to your best life. Be inspired, start today!
Our Retirement Planning includes:
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Identifying your retirement dreams and how much you will need at 60, 70, 80 and 90.
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Examining your spending, debt, & money habits.
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Determining income sources and the best time for you to start Canada Pension Plan & Old Age Security.
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Deciding when and how to convert your savings (Pensions, RRSPs, etc.) into income.
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Pinpointing your taxes & identifying how to reduce them.
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Recognizing when to downsize.
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Understanding strategic investment strategies.
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Exploring how to & how much you can help your adult children.
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Determining if you need a personal health plan, or insurance to pass on your estate or take care of end of life costs.
Describing Karen's approach:
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Not associated with any financial institution, so we can be comfortable with receiving unbiased financial advice.
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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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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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Let’s you make informed decisions (e.g., '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 (e.g., 'Does that $80,000 vehicle fit your lifestyle?')
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Has a sense of humour.
– Paul & Kim, 2023
SESSION RATE:
$200 FOR INDIVIDUALS
$300 FOR COUPLES
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Anticipate 3 or more sessions to complete your Retirement Plan which will include projections to 90 years old include 3 prepared scenarios.
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Plan to add semi-annual or annual sessions to review and adapt your plan as life changes.
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Call or e-mail to schedule a complimentary introduction.
WHAT 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 even better than some! Karen kept the terms she used easy for us to understand and 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."
"We paid off our mortgage! Thank you Karen for all your help."
–Lorna & Scott, 2022 & 2023
"I appreciate your patient and caring guidance in assisting me to navigate a financial world that is so unfamiliar to me! Your helping me to 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
"I have a great planner now and I can honestly say I now have no personal money worries. It is such a relief! Karen Fenske is such a great lady. She is based here in Vernon and is the best planner, and I have had for several over the years."
"I have paid off all my debt and now have healthy retirement savings accounts."
–Rob, 2020 & 2023