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Retirement Planners

At this stage of your life, you may be trying to ensure a comfortable retirement, although your actual retirement date is still a number of years away. Considering that Canadians are living longer, healthier and more productive lives, you can expect to spend as much as one-third of your lifetime in retirement. It is therefore important to take financial steps now that can help you establish a more secure future when you leave work.

Retirement planning is often the cornerstone of the whole financial analysis. Ensuring your financial affairs are in order and that you have the funds to sustain your lifestyle is important to consider when contemplating retirement.

Enjoy the Fruits of Your Labour

The retirement income planning process involves comparing your future income needs against expected income streams, such as pension income, as well as identifying all sources of capital that can generate income (i.e., non-registered and registered assets). Once you have retired, it's important that you manage your retirement savings appropriately.

Benefits We Offer to Retirement Planners

• Calculators
  Assess how much you need to attain your short- and long-term financial goals with our many calculators.

• Retirement Calculator
  Determine how much you need to retire by using our Retirement Calculator, or use our other calculators to find out how you can attain other financial objectives.

• Asset Allocation
  Find the asset mix that best suits your risk tolerance, investment objectives, and investing time horizon, and learn how your portfolio compares to your suggested asset allocation profile.

• Registered Accounts
  We offer a range of self-directed RRSPs and additional retirement account services for those who participate in Locked-In RRSPs (LIRAs), Life Income Funds (LIFs), Prescribed RIFs (PRIFs) and Locked-in Retirement Income Funds (LRIFs) to give you a complete range of options to help you save for your retirement.

• Education Centre
  Broaden your knowledge about investments and strategies that can help you build a stronger portfolio.

Action Plan

To access these tools and more, we encourage you to open a CIBC Investor's Edge account. Our planning tools and investments for Registered Retirement Savings Plans can help you prepare and implement financial strategies to address your goals. You can open an account online or by calling our Investment Representatives at 1 800 567-3343.

The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member CIPF. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.