{"id":38,"date":"2010-06-29T06:45:12","date_gmt":"2010-06-29T06:45:12","guid":{"rendered":"http:\/\/smithfinancialservices.fundnetdevelopment.com\/wordpress\/?p=38"},"modified":"2012-10-22T14:31:00","modified_gmt":"2012-10-22T14:31:00","slug":"investment-management","status":"publish","type":"post","link":"https:\/\/cifinancial.ca\/?p=38","title":{"rendered":"How We Can Help"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignleft size-medium wp-image-889\" src=\"https:\/\/cifinancial.ca\/wp-content\/uploads\/2010\/06\/download-184x184.png\" alt=\"\" width=\"300\" height=\"200\" \/><\/p>\n<div style=\"text-align: justify;\">We provide financial consulting services and asset management. \u00a0Our customers expect and receive the highest level of honest and dependable service. \u00a0We use a holistic approach; we take your financial health seriously.<\/div>\n<div style=\"text-align: justify;\"><strong>Working Years<\/strong><br \/>\nYour retirement may seem years away, but that doesn\u2019t mean you shouldn\u2019t put money away today. The earlier you begin the longer your money has to grow and earn. In the early working years it can feel like a juggling act to balance mortgage, family expenses, children\u2019s education, emergency funds and savings for retirement. \u00a0As you advance through your working years your earnings are higher and your household bills are often lower freeing up more money to funnel towards retirement. Growth investments carry more risk but in your early working years your portfolio can recover if it encounters volatility. \u00a0As you get closer to retirement you might shift towards more conservative investment strategies.<\/div>\n<div style=\"text-align: justify;\"><strong>Near Retirement<\/strong><br \/>\nSo now you\u2019re getting closer to retirement. \u00a0Does it look like you\u2019ll have enough income to meet your monthly needs? What is your projected monthly budget? \u00a0Do you want to be a snowbird, buy property in a warm climate; maybe you want to spend summers at the cabin with a new boat and Jet Ski? \u00a0Can you afford to finance the lifestyle you want without touching your retirement fund?<\/div>\n<p style=\"text-align: justify;\">If you don\u2019t think you\u2019ll have enough now is the time to consider delaying retirement or increasing your income.<br \/>\nAt the same time continue to contribute the yearly maximum to your RSP and maximize any unused RSP contribution.<\/p>\n<div style=\"text-align: justify;\"><strong>Retired<\/strong><br \/>\nNow is the time to focus on security and how to make your money last through retirement. \u00a0\u00a0That means maintaining the money you\u2019ve saved, while still using it to generate income. \u00a0\u00a0Focus on conservative investments that are designed to protect capital and security. \u00a0If you\u2019re planning to leave money to children or charities incorporate that into your overall spending forecast.<br \/>\nYour early retirement lifestyle may be significantly different from later years which will affect how much you spend, how you invest and how you deal with other assets. \u00a0You\u2019ll also require an estate plan and an up-to-date living will and will.<\/div>\n<div style=\"text-align: justify;\">At some point you\u2019ll have to move your RSP to an income option, such as an annuity. Government regulations require you to do this when you turn 71.<br \/>\nWhether retirement is years away or around the corner we\u2019ll manage your financial plan at any stage.<\/div>\n","protected":false},"excerpt":{"rendered":"<p>We provide financial consulting services and asset management. \u00a0Our customers expect and receive the highest level of honest and dependable service. \u00a0We use a holistic approach; we take your financial health seriously. Working Years Your retirement may seem years away, but that doesn\u2019t mean you shouldn\u2019t put money away today. The earlier you begin the [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":889,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-38","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement"],"jetpack_featured_media_url":"https:\/\/cifinancial.ca\/wp-content\/uploads\/2010\/06\/download.png","_links":{"self":[{"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/posts\/38","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38"}],"version-history":[{"count":0,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/posts\/38\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=\/wp\/v2\/media\/889"}],"wp:attachment":[{"href":"https:\/\/cifinancial.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cifinancial.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}