Will Your Retirement Savings Last Your Lifetimes?

WHY DALE RATHGEBER? AND WHY DO I NEED A RETIREMENT PLAN?

For peace of mind, and to ensure that you don’t overspend, or underspend, and to get tax efficient.

WHAT WILL THIS PLAN DO FOR ME AND MINE?

I use the most sophisticated retirement planning software available in Canada to answer this question, and to also show you from which accounts — RRSP, TFSA, Unregistered etc to draw down, each year, in exact amounts to minimize taxes and OAS clawbacks. The quick and dirty “free” calculators don’t do that, sadly. Neither will your financial advisor unless you have a net worth of at least $5 million. So, you may need a fee-only retirement planner like me. There are a few good ones in Canada, of which I claim to be one.

I have been a King’s Counsel decorated lawyer in Alberta for 40 years (now semi-retired), and a Designated Financial Planner for 27 years, publishing an investment newsletter since 1999. I’ve been married for 41 years, and am a golf nut, a semi-amateur rock’n’roller, and a bit of a community leader in Rotary, and as Chair of the Airdrie Community Foundation. You can Google me.

The cost for a couple is $3000 plus GST, including a reasonable amount of follow up time to input correct numbers, answer questions, and provide coaching to implement the software generated plan.

To get started, email me at dalerathgeber21@gmail.com, to arrange a phone or zoom call to see if we are a good fit.

Thereafter, I will send you a form and chart in which you will list your various account balances, ages, pensions etc and we will communicate mostly by email. During golf season your report might take a week or two. In winter it should take me less time.

You won’t get an invoice until you are satisfied.

I am a man of few words, and this concludes this web page. Thank you for your attention to this matter.