Valley First

Planning for a Secure Retirement

Retirement planning is simply about looking at where you are today and where you want to be, and then finding the best path to get there.


Creating a retirement plan

  • You want to make your retirement the best years of your life—you’ve earned that. So, your retirement plan needs to take into consideration what you’ll need to make those years the best they can be.
  • Create a vision for your retirement; whether it is max relaxing at home, working part-time as a consultant, or traveling the world. Now consider what you’ll need to make your vision a reality.
  • Your retirement savings goal should match the overall price-tag you feel your retirement vision will cost.
  • Develop an asset allocation strategy based on your risk tolerance—decide what percentage of your investments will be spread out between various asset classes such as stocks, bonds, and cash. Then diversify among individual investments or mutual funds available within these asset classes.
  • Know your sources of retirement income and when you’re eligible to receive that income. Also, keep in mind that different retirement income sources may be taxed differently.


When developing a price tag for your retirement, be sure to include what you’ll need for the day-to-day expenses you have now so your retirement budget is realistic.

Tips for retirement planning

  • As you get closer to retirement, consider investments with less risk because you’ll need to shift your primary investment strategy from growing your wealth to protecting what you have.
  • It’s good to be focussed in putting money away for retirement but don't let that focus keep you from enjoying your working years and your present quality of life—you don’t want any regrets.
  • A manageable retirement savings plan is important to keep you evenly paced in your saving efforts. If you get burned out trying to save, you may retire early and miss out on peak earning years, which would have maximized your retirement income potential.
  • Remember that retirement planning isn’t all about having the money to make life comfortable—make sure you aren’t sacrificing your health during your working years so that your retirement can be comfortable.
  • If your employer makes contributions to your retirement account, find out if these employer contributions are dependent on years of service—might be worth sticking around for a few extra weeks or months to get a larger retirement payout.


Financial planning is a free service and one of our specialties—so why not map out your retirement with an investment expert. Book an appointment today.



Mutual funds, other securities and securities related financial planning services are offered through Qtrade Advisor, a division of Credential Qtrade Securities Inc. Mutual funds and related financial planning services are offered through Qtrade Asset Management Inc.


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