Retirement Planning

Retirement planning is a life-long, year-by-year process to ensure that your financial decisions continue to support your goals for your retirement years.


The simple thought of retirement can cause anxiety for many people. They feel overwhelmed and unprepared, not only because retirement may seem a long way away, but also because of the complexities of predicting the future.

One of the primary reasons that people engage our Roche Certified Financial Planners is to help them determine if and when they can retire and to ensure that plans are well-laid to support financial security in later years.

When does it become important to start planning for retirement?

Good question. Simple answer: As early as you can.

Whether you are just starting out... just starting a family... or just starting to realize retirement is 10-15 years away, you can be planning for retirement and acting on your plan.

Do I save or invest?

Another good question. But, the answer to this one is not quite so simple. A Roche Certified Financial Planner can help you consider all the options and find out what makes most sense for you right now. As part of that process, they will advise you on what makes sense for your future.

Personal Financial Planning

How often should I update or change my plan?

To ensure that you continue to be on-track, it's advisable to review your plan, along with your financial position, every year. Things change – sometimes slowly, sometimes quickly – and your plan should be responding to those changes.

What specifically can a Roche CFP help me with?

Our retirement planning experts will help you think through questions like:

  • How much money do I need for retirement?
  • How do I make the most of my RRSP?
  • What are the impacts of my spouse's financial position and his/her income?
  • What if I want to retire early?
  • What are my child support and spousal support obligations in retirement?
  • What about retiring abroad?
  • How do I plan for the transition of my business to a family member.

Roche can help you ensure you are financially independent.

When people start to think about retirement planning, the most common concern is that they might outlive their money. With modern medicine allowing people to stay healthy and live so much longer, chances of that happening increase, so it's a real concern. A Roche CFP can help mitigate these risks.

We're here to answer all your questions and help you plan intelligently.


Find Out How our CFPs can Help


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