Jack Lumsden, MBA, CFP®

Financial Advisor, Assante Financial Management Ltd.

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

If you're wondering how to turn your savings into the lifestyle you've imagined, our R5 #retirement Process™ can help you replace your paycheque, reduce taxes, and live with more confidence. https://t.co/NGoyJcStvH

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

To help with the transition, a Retirement Road Map will help you make smart financial decisions as it will align your financial assets and sources of income with what is important to you. https://t.co/Qd5xQ2hOtp

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

Avoid emotional investing mistakes that can derail your #plan https://t.co/uNPhgtHnpe

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

To help with the transition, a Retirement Road Map will help you make smart financial decisions as it will align your financial assets and sources of income with what is important to you. https://t.co/ejvfWexQGY

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

If you're wondering how to turn your savings into the lifestyle you've imagined, our R5 #retirement Process™ can help you replace your paycheque, reduce taxes, and live with more confidence. https://t.co/SAgYCJetk3

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

That's why this final step is about reviewing your full #plan every year, and adjusting it to keep everything working together https://t.co/b9EekPxRRr

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

https://t.co/OMeEQAm6DY

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

Is Your Retirement Plan Built to Last https://t.co/INyoR6kUv1

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

This way, market ups and downs in one bucket don't throw their entire plan off course, and they can spend with confidence knowing each stage of #retirement is covered https://t.co/c6icdVIwmm

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

When retirement planning, you may want to view your spending in three different phases https://t.co/Cf1o7NCcIm

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

This strategy should address the key actions and strategies to help you manage the unique risks of retirement income planning such as longevity risk, inflation, taxes, investment risk, sequence of return risk, and health risk. https://t.co/g5G3lKq6c8

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

That would increase her guaranteed income later in life—especially helpful if she outlives Ross, which is common in many couples https://t.co/Rr2uioVfnp

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

A three-bucket investment system that protects today's spending needs, keeps mid-term plans on track, and grows money for the decades ahead https://t.co/OT3epaQWiz

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

You will want to model starting the various sources of income at different times as will each have a different effect on the taxes you have to pay and your estate value for the next generation https://t.co/Dj8pix3R6v

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

My wife, Sandra, got up from the table and said she'd meet Uncle Wayne down at the dock if I would get our kids, Connor and Paige, cleaned up https://t.co/GLTstjA0iH

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

That's why this final step is about reviewing your full #plan every year, and adjusting it to keep everything working together https://t.co/2dqQSmoygC

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

Throughout retirement you will want to review and update your strategy in the four pillars: https://t.co/HHfrslnoVH

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

If your uncle's head gets any more swollen, we won't be able to get him out through the door later https://t.co/N0JAQH3kTb

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

Before we leave the subject of RRSPs and TFSA, I want everyone to look in their binders and tell me how much money you were paying monthly on your debts before you took my excellent advice and paid off all loans that weren't tax deductible https://t.co/wUkQYlktHY

[Jack Lumsden, MBA, CFP® @JackLumsdenCFP]

To align your sources of capital with what is important to you, and what your family wishes to accomplish, your Retirement Road Map should outline your strategy in the following five key areas https://t.co/IzgNwlA0lX