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Find the Advice that’s Right For You

Every stage of life has its unique needs and challenges. We have the tools and resources to help you each step of the way.

 

Which Stage of Life are You In?

You are on: Which Stage of Life are You In?

From the options on the left, select a stage that is of interest to you. You’ll find advice and tools that will help you reach your goals.

You are on: Starting Out

It’s Never Too Early to Invest in Your Future

Whether you’re planning on buying your first home or hoping to retire early, RBC has the tools and advice you need to get you started to meet your goals.

Expert Advice:

Invest what you can, early and often

Develop an investment plan (opens new window)

Behind on your investing?
Don't give up, catch up





You are on: Building Your Wealth

Strengthen Your Foundation

You may have your investment plan figured out but what do you do now? It’s important to continue to build on your foundation, re-evaluate your needs and ensure that you are on track to reaching your goals.

Expert Advice:

Maintain discipline (opens new window)

Stay on track with portfolio solutions (opens new window)

Invest what you can, early and
often

Give the gift of knowledge:
saving for a child’s
education (opens PDF in new window)

You are on: Getting Ready to Retire

Focus on Your Retirement Goals

You’re very close to transitioning into the next stage of your life -- retirement. A time of great anticipation, it's also a time to assess your progress, re-evaluate your goals and make important investment decisions.

Expert Advice:

Defining your retirement

Assessing your retirement
resources

Your financial health in
retirement

You are on: Living in Retirement

Make the Most of Your Retirement

Even in retirement, goals should be reviewed as needed. It’s important that at this stage you continue to plan for your retirement. You’ll need to ensure that you have a plan in place that will meet your needs throughout your retirement.

Expert Advice:

Planning your retirement and RRIF
income

Managing health & caregiving needs

Planning your legacy






You are on: Regaining Confidence

Get Back on Track with Your Investments

You may have come through some unexpected changes, or maybe you just feel that your savings and investments should have progressed further by now. Now is the time to take stock, and take action to jumpstart your investing strategies and get back on track towards your goals.

Expert Advice:

Invest what you can, early and often

Develop an investment plan (opens new window)

Behind on your investing?
Don't give up, catch up




 
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Get a Customized Retirement Tip

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Your customized retirement tip

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As you enjoy your years in retirement, here are some things to keep in mind:

  • It’s a good idea to understand your retirement expenses –both the necessities, as well as for the nice to haves such as travel, a move, or helping a family member financially.
  • Take stock of all the financial resources you will have to create your future retirement income and consider making use of all available options to save – TFSAs and RRSP catch up loans.
  • Start to think about whether it makes sense for you to take your CPP payments early, or alternatively, to defer them to a later age to increase your benefits.
 

We can help you determine the right strategies for your retirement needs.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As you enjoy your years in retirement, here are some things to keep in mind:

  • If you are looking for tax savings ideas: consider CPP/QPP benefit sharing or split eligible pension income with the lower income spouse.
  • Consider contributing any spare funds to a Tax Free Savings Account. A TFSA is an excellent way to continue investing tax-free.
  • Remember, retirement planning doesn’t just stop because you’re retired!
 

We can help you define your retirement.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement income – and define retirement on your terms.

As your retirement is approaching, you have some time to create a well-thought out plan for your future, while having a good idea of what your savings will be. Here are some things to consider to ensure you can make the most of your retirement years.

  • It’s a good idea to understand your retirement expenses –both the necessities, as well as for the nice to haves such as travel, a move, or helping a family member financially.
  • Take stock of all the financial resources you will have to create your future retirement income and consider making use of all available options to save – TFSAs and RRSP catch up loans.
  • Start to think about whether it makes sense for you to take your CPP payments early, or alternatively, to defer them to a later age to increase your benefits.
 

We can help you determine the right strategies for your retirement needs.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

It’s never too early – or too late – to shape and sharpen your retirement plan. As you think about your plans for your future, here are some ideas for you to consider.

  • Start thinking about where you will live in retirement, and how you will spend your time. Plan for the necessities, as well as for the nice to haves such as travel, a move, or helping a family member financially.
  • Take stock of all the financial resources you will have to create your future retirement income and consider making use of all available options to save – such as TFSAs and RRSP catch up loans.
  • If you are saving up for retirement keep paying yourself first - even if it’s small amounts regularly - to build your retirement savings.
 

We can help you determine the right strategies for your retirement needs.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As you near retirement, now is a great time to fine-tune your plans for the future. Here are some things to consider to ensure you can make the most of these exciting years ahead.

  • Think about what you want your retirement to look like – the necessities and the nice to have. Even though your ideas may change down the road, having a picture is a good starting point to help you build your retirement plan.
  • If you don’t need your CPP/QPP benefits consider delaying your payments to take advantage of the increased pension amount when you do apply.
  • If you are looking for tax savings ideas: consider CPP/QPP benefit sharing or split eligible pension income with the lower income spouse.
 

We can help you define your retirement.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As your retirement is approaching, you have some time to create a well-thought out plan for your future, while having a good idea of what your savings will be. Here are some things to consider to ensure you can make the most of your retirement years.

  • Think about what you want your retirement to look like – the necessities and the nice to have. Even though your ideas may change down the road, having a picture is a good starting point to help you build your retirement plan.
  • Take stock of all the financial resources you will have to create your future retirement income. If you have unused RRSP contribution room, see if a catch up loan makes sense for you.
  • Look at strategies to minimize your taxes such as contributing to a TFSA.
 

We can help you define your retirement.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As your retirement is still several years away, you’re in a great position now to create a realistic and well thought-out plan for your future. Here are some things to consider to help you balance your financial needs of today with your retirement goals of tomorrow.

  • Take stock of all the financial resources you will have to create your future retirement income. If you have unused RRSP contribution room, see if a catch up loan makes sense for you.
  • Look at strategies to minimize your taxes such as contributing to a TFSA.
  • Review your current plan to ensure your family and your lifestyle are protected from uncertainties such as job loss or disability; if you haven’t already prepared Wills and Powers of Attorney, there is no time like the present!
 

We can help you define your retirement.

Based on what you’ve told us, we’ve put together some tips to maximize your retirement dollars – and define retirement on your terms.

As your retirement is still several years away, you’re in a great position now to create a realistic and well thought-out plan for your future. Here are some things to consider to help you balance your financial needs of today with your retirement goals of tomorrow.

  • Take stock of all the financial resources you will have to create your future retirement income. If you have unused RRSP contribution room, see if a catch up loan makes sense for you.
  • Look at strategies to minimize your taxes such as contributing to a TFSA.
  • Review your current plan to ensure your family and your lifestyle are protected from uncertainties such as job loss or disability; if you haven’t already prepared Wills and Powers of Attorney, there is no time like the present!
 

We can help you define your retirement.

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