Be ready for a 30-year journey filled with endless possibilities. We can help you figure out what's important to you for your Next 30™ and design a plan that will adapt to whatever you might encounter along the way.

Let’s Help With The Big Questions

Tell us what’s on your mind as you think about your Next 30™:

Tell us what's on your mind as you think about your Next 30

When Should I Retire?

Knowing when to say goodbye to the workplace is a tough decision, and there’s more to it than just money. A good question to ask yourself is, "What really gets me out of bed in the morning?"

Retirement Readiness Case Study: James and Mary

See how RBC® helped this couple retire early together.

Knowing When to Retire

Watch this short video for tips from Bill Hill, National Retirement Planning Consultant, RBC.

Should I Downsize My Home?

Downsizing can free up funds for your retirement and cut down on day-to-day expenses. But do the pros outweigh the cons?

Downsizing Case Study: Sophia and Raj

This couple wants to know what their cash flow would look like if they sold their home to downsize.

Client Story: Downsize and Down South

See how Brenda and Peter downsized and became mortgage-free!

Should I Move After the Kids Leave Home?

There are emotional and lifestyle considerations to think about.

How Canadian and U.S. Mortgages Compare

Understand the differences between the U.S. and Canadian mortgage processes. 


Before you decide to downsize, see what your current home may be worth.

Get Started

How Do I Maximize My Retirement Paycheque?

There are a few things to consider when you’re thinking about creating an after tax retirement paycheque. For example, you’ll want to think about the accounts to withdraw from and how much money you’ll have available to spend after tax, and other strategies.

How Do I Know When to Take My CPP/QPP?

There are pros and cons to going early versus waiting.

Guide to Retirement Income Planning

See what goes into a sound retirement income plan.

None of the Above

Let us help you think through all the “what ifs”.

Family, taxes, travel, health…there’s a lot to consider when it comes to retirement. Whether you’re already working through some big decisions or you’re not sure where to start, we can help.

It starts with a conversation about the retirement you want. We call this approach “Your Future by Design®”. Once we understand your goals, we look at what you own and what you owe to design a plan that fits your needs now and for the next 30 years.

Try Your Future by Design®

Have some fun with our interactive tool and start thinking about how you want to spend your time in retirement.

Libby’s Story: A Fulfilling Retirement

“For all those years, if you’ve been really busy, you don’t have a lot of time to visualize what the next stage of your life is going to be.”

- Libby

Get a Free Retirement Checklist.

Review some of the most important life and financial considerations leading up to retirement to make sure you've got things covered.

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RBC Financial Planning is a business name used by Royal Mutual Funds Inc. (RMFI). Financial planning services and investment advice are provided by RMFI. RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

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