Retirement Planning

Do you have a clear picture of where you want to be when you retire? Is it playing golf every day in a warm, sunny climate? Travelling and enjoying the wonders of the world? Or perhaps you're one of the new generation of retirees who are realizing that it doesn't have to be about surrendering to a slower, more leisurely lifestyle. It is simply a new phase of life. A time when discovery, creativity and exploration are a matter of choice, not an exception to the rule. No matter what your retirement dream looks like, it takes careful planning to turn that dream into a reality.

Using our sophisticated planning software, BMO Nesbitt Burns Naviplan,, we can create a retirement analysis that is customized to reflect your current circumstances, anticipated savings rate and investment objectives.

Naviplan takes into account all of your current and future sources of income, including government programs, company pension plans, RRSPs and RRIFs, employment and investment income, then factors in inflation and current tax rates.

Taking a look at your expected expenses as well as all of your future sources of retirement income allows you to see if there will be a shortfall between the lifestyle you want and your financial ability to maintain it. We will then work with you to develop a strategy to help eliminate any shortfalls so you can achieve your retirement goals.


As part of your retirement strategy, we will assess how you can benefit from registered savings plans such as RRSPs and RRIFs, and whether you are taking maximum advantage of the benefits they offer.

Corporate Executives
Compensation packages at many Canadian companies increasingly include long term incentive plans to attract and retain key executives. These plans serve many goals for executives and shareholders alike, including building equity for managers on a tax efficient basis, and aligning management compensation with the performance of the company’s stock over time.

However, over time, these forms of compensation can represent a substantial stake in an executive’s net worth with considerable unrealized tax liabilities to plan for. Many of these issues come to a head when an executive is considering retiring. They can also emerge midway through a career, as executives assess the risks of having most of their net worth concentrated in one stock, in addition to the "double risk” they face that they will not only be out of a job if their company fairs poorly, but that their net worth will also decline. These periods lead to a host of other issues, including:



  • How to plan for a tax efficient disposition of stock options?

  • How to cash flow the exercise of these options?

  • How to invest the proceeds in a manner that diversifies them from their industry’s key risks?

With these issues in mind, we assist corporate executives in implementing customized strategies for their share capital, including:



  • Cashless Stock Option Exercise

  • Equity Hedges

  • Tax Efficient Equity Monetization Strategies