Retirement—it’s what you’ve been working toward for decades. But getting there comfortably means more than just setting aside money. It requires a cohesive, connected strategy that ties every aspect of your financial world together—estate planning, investments, income strategies, tax considerations, and more. At McEachnie Matthews Group Private Wealth Management, your Waterloo financial planner, we believe that effective retirement planning means integrating every piece into a larger whole, ensuring they work in unison to provide the retirement you envision.
Goals-Based Retirement Planning—Bringing Your Dreams to Life
At McEachnie Matthews Group, it’s your dreams that light the path, not the spreadsheets, not the charts. The vision you’ve spent years nurturing—mornings at the lake, family dinners in that cabin you dreamed of, travels to places that have always called out to you.
We don’t start with formulas; we start with you. We talk about what sets your heart alight. Then we get to work—connecting those dreams to real, tangible financial strategies. RRIFs, pensions, strategic investments—every resource you have, we put it into action.
Decumulation—Turning Savings into a Lifetime Income
Decumulation can be one of the most challenging parts of retirement planning. After years of accumulating wealth, how do you start using it without fear of running out? How do you ensure that the income lasts and that it aligns with all of your other financial goals?
As a Waterloo financial planner, we help you navigate these questions, crafting a decumulation strategy that connects your retirement accounts, pensions, and investments to provide a steady, reliable income. We consider tax implications, timing, and risk to ensure that your savings don’t just sit there but actively work to sustain your lifestyle through all your retirement years.
Adapting to Life’s Changes—A Plan That Evolves With You
A retirement plan that sits stagnant? Worthless. The world doesn’t sit still—your health shifts, family dynamics grow, market conditions fluctuate, new adventures call. Your retirement plan must be able to move, change, and adapt. At McEachnie Matthews Group, we believe flexibility is key, which is why our retirement planning approach is not to create a document and then leave it to gather dust.
We revisit, we adjust, we pivot. Whether it’s updating your investment portfolio as your risk tolerance changes, revising estate plans in response to new family needs, or shifting income streams to make space for a new dream, we ensure your financial plan is as dynamic as the life you intend to lead. Every part—investments, income, taxes—moves in concert, ensuring your plan is always aligned with where you are, and where you want to go.
Tax Efficiency in Retirement—Maximizing Your Income
No one wants to see their retirement income eaten away by taxes. But without the right strategies, taxes can significantly reduce what’s available for your day-to-day life. That’s why tax efficiency is an integral part of our retirement planning approach.
As your Waterloo financial advisor and financial planner, we consider how best to withdraw from registered accounts, when to take pension income, and how to minimize tax burdens on your estate. By connecting your retirement income plan with a smart tax strategy, we help make sure that more of what you’ve earned stays where it belongs—supporting your retirement and allowing you to make the most of your golden years.
Investment Strategies That Work for Retirement
Retirement might mean no more 9 to 5, but that doesn’t mean your money retires too. Your investments still need to work, to grow, to make sure your income keeps pace with inflation and that your wealth remains robust enough to sustain you through the years. But investing in retirement demands a different rhythm—less risk, more balance, perhaps a shift toward income over aggressive growth.
Our job is to create an investment strategy that not only acknowledges those shifts but also connects with everything else. We make sure your assets grow, generate income, and provide the financial foundation for a comfortable and happy retirement.
Connecting Estate Planning with Your Retirement Goals
Part of retirement planning is preparing for what comes next, about making sure that the people you care for are protected, that your legacy carries on in ways that are meaningful to you. Estate planning cannot stand apart from the rest of your financial picture; it has to be integrated, connected, and thoughtfully tied to the other components of your retirement.
We work with you to build a legacy strategy that doesn’t feel separate or bolted on at the end. Instead, we consider how best to preserve your assets, manage taxes, and make sure your wishes are carried out without creating undue stress for those left behind. It’s about connecting today’s retirement joy with tomorrow’s legacy—making sure it all flows naturally, seamlessly, as part of the greater whole.
Connecting Every Part of Your Retirement Plan
At McEachnie Matthews Group Private Wealth Management in Waterloo, we believe that retirement planning isn’t just about crunching numbers—it’s about understanding your goals and pulling in different elements of your life into a cohesive strategy. From decumulation to investments, from tax efficiency to estate planning, every part is connected. Each component supports the other, building a retirement plan that’s adaptable, resilient, and, most importantly, tailored to the life you want to live.
We’re not here to offer one-size-fits-all solutions. We’re here to build relationships, understand your story, and help create a retirement plan that truly works for you—connecting every part of your financial world to ensure a seamless, confident transition into retirement and beyond.
Ready to create a retirement plan that looks at the full picture? Let’s get started. Book a meeting today, and let McEachnie Matthews Group help you connect the dots for a more fulfilling retirement.