Retirement Planning
Are you retired now or planning to retire soon? Does retirement feel like the reward for a lifetime of hard work, or are you too preoccupied with tomorrow to fully enjoy today? At Jeff Somers & Associates Private Wealth Management, we believe retirement should be about living—not second-guessing. Mornings spent on the beach, family gatherings in the home you worked so hard to build, or embarking on long-awaited adventures across the globe.
To make that possible, your financial strategy must do more than support you; it should empower you.
At Jeff Somers & Associates Private Wealth Management, we don’t believe in piecemeal strategies or “set-it-and-forget-it” solutions. We believe in tying every thread—investments, income, taxes, and legacy—into a dynamic, living plan that grows with you.
By connecting every piece—income, investments, taxes, and legacy—we create plans that sustain your lifestyle and turn your retirement dreams into reality.
Your Retirement Plan
Forget starting with formulas. Forget spreadsheets. At Jeff Somers & Associates, your dreams set the course. Retirement at a lakeside cabin? Exploring the vineyards of Europe? Funding your grandchildren’s education while maintaining your lifestyle? Those are the pillars we build on.
We start by uncovering what makes you tick, what gets you excited about the future, and then we craft a retirement planning strategy that turns your vision into reality. Registered Retirement Income Funds (RRIFs), pensions, tax-efficient investments—we connect every financial resource you have into a web of opportunity.
Decumulation: Spending Wisely, Living Fully
Here’s the paradox of retirement: After decades of saving, the transition to spending feels uncertain. How much is enough? Will it last? What if market fluctuations or unexpected expenses arise?
That’s where we come in. Decumulation isn’t a guess; it’s a strategy. We work to connect every source of income—pensions, registered accounts, taxable investments—into a steady, reliable flow. Every withdrawal is carefully timed, every dollar placed with purpose. You’ll know not only where your income comes from but also how it supports your retirement planning goals.
A Plan That Changes With You
Life doesn’t sit still, so why should your financial plan? Health needs evolve, family structures shift, and the markets have a way of throwing curveballs when you least expect it. A retirement plan that stays static is, frankly, useless.
At Jeff Somers & Associates, we create living plans—flexible, responsive, built to adapt to the unexpected. Did you sell a property and suddenly have additional capital? We’ll adjust your tax strategy. Thinking of taking up philanthropy or helping a family member? We’ll pivot your income plan. Want to shift investments toward stability? Consider it done.
Your life is dynamic; your retirement plan should be too. Every adjustment keeps your retirement on course, ensuring that no matter what changes, your financial strategy is always aligned with your evolving vision.
Tax Efficiency: Protecting What’s Yours
Nothing chips away at wealth quite like taxes—silent, consistent, relentless. But retirement doesn’t have to mean handing over more than your fair share. Smart retirement planning transforms taxes from an inevitability into a manageable part of your financial puzzle.
We carefully sequence withdrawals to minimize taxable income. We weigh the timing of pension receipts against other income streams. And when it comes to your estate, we make sure your heirs benefit from careful planning, not surprise tax bills. With Jeff Somers & Associates, your money works for you, not the taxman.
Investments That Keep Working
Retirement doesn’t mean your wealth gets to rest. Growth in retirement isn’t about swinging for the fences; it’s about balance, precision, and aligning your investments with the life you’ve built. At Jeff Somers & Associates, we recalibrate your portfolio for retirement—with a strong focus on income generation and steady growth.
Dividend stocks? Conservative funds? Real estate? Every dollar is purpose-driven, quietly working to outpace inflation and fortify your financial foundation.
Estate Planning: Your Legacy, Your Way
Estate planning should weave through every thread of your retirement strategy. At Jeff Somers & Associates, we craft plans that shield your wealth, minimize taxes, and honour your wishes.
Connecting It All Together
Retirement planning means connecting every element of your financial world into a strategy that grows, adapts, and thrives alongside you. Decumulation flows into tax efficiency. Investments strengthen estate plans. Every element is interwoven, creating a strategy greater than its parts. At Jeff Somers & Associates, we ensure every piece works to build a retirement plan that thrives.
At Jeff Somers & Associates Private Wealth Management, we don’t do one-size-fits-all. We do “just right for you.” Whether your retirement dreams are quiet or grand, domestic or international, structured or spontaneous, we’re here to build a plan that reflects you.
Your Retirement, Your Story
Retirement isn’t an end; it’s the next chapter. Let’s make it the best one yet. At Jeff Somers & Associates, we’re not just financial planners—we’re partners in your journey, helping you connect the dots and create a life you’ve dreamed of.
Ready to start your journey? Book a meeting today.