Our Services
We at www.buyapension.ca are ready to assist you to create and implement a new pension.
Our professional staff of financial advisors and administrators can work with you to design the best retirement strategy for you and your family.

Our services include:
» Pension Design Services

  • Review of your retirement expenses, retirement income and tax bracket to determine the appropriate level of pension plan to put in place.
  • Shop prices and quality of annuity across the strongest insurance companies in the world.
  • Complete the paperwork to set up your new guaranteed pension.
  • All work in this area will be completed by a Certified Financial Planner and a Chartered Accountant with advanced expertise in pension design.

» Insurance Services

  • Review your existing life, disability and critical illness insurance policies to assess continued need for such coverages.

  • Review any ongoing insurance needs (critical illness insurance, long term care insurance) and how this may fit within your retirement plan (cost vs. benefit)

  • All work in this area will be completed by a Chartered Life Underwriter, Canada’s most advanced professional designation in insurance planning.

» Tax Planning

  • Full tax planning opportunity review by a Chartered Accountant – this includes tax planning review of your tax return, your retirement cash flows, your investment portfolio, your Will and your real estate.

  • Review whether the use of trusts or corporations can be used to reduce your tax levels.

  • All work in this area will be completed by a Chartered Accountant with specialized expertise in taxation.

» Retirement Planning

  • Comprehensive design of retirement income for the rest of your life, including review of government pensions, private pensions, investment income, part time work if applicable and your tax brackets.

  • Will review income splitting between two spouses to optimize after-tax cash flow

  • Will review tax smart design of your investment portfolio between RRSPs, RRIFs, TFSAs and personal investment accounts.

  • All work in this area will be completed by a Certified Financial Planner and a Chartered Accountant with advanced expertise in integrated retirement planning.

» Real Estate Planning

  • Review of all of your real estate holdings, including embedded tax liabilities to determine best planning strategies for the real estate over the rest of your life.

  • Analyze ability to achieve real estate goals: downsize, pass to children, other goals.

  • Review use of corporations, trusts and other planning structures to manage real estate goals.

  • All work in this area will be completed by a Certified Financial Planner and a Chartered Accountant with advanced expertise in integrated retirement planning.

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