EST. 2018
Planning for every chapter of your life
LIFE STAGES
Money looks different at 30 than it does at 65. At Northern Asset Management, we structure every conversation around where you are.
01
STARTING OUT • 18–35
Base Camp: Building your Foundation
The earliest decisions carry the longest echoes. Savings habits, debt management, and the power of time in the market.
KEY CONCEPTS
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TFSA and RRSP basics — which to prioritize
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Managing student debt alongside savings
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Emergency fund fundamentals
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First home — FHSA and Home Buyer's Plan
02
FAMILY & LIFESTYLE · 30–50
Trail Pass: Family & Lifestyle Building
Balancing competing priorities while building wealth and protecting what you've built.
KEY CONCEPTS
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RESP — education savings for your children
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Mortgage within a broader financial plan
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Income replacement concepts
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Legacy basics for young families
03
PRE-RETIREMENT · 50–65
Ascent: Pre-Retirement Planning
The decade before retirement is your most critical planning period. Every decision crystallizes here.
KEY CONCEPTS
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Maximizing RRSP in peak earning years
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Pension analysis — defined benefit vs. defined contribution
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CPP and OAS timing — the tradeoffs
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RRSP to RRIF conversion timing
04
IN RETIREMENT · 60+
Living the Summit: Retirement & Legacy
Managing income, preserving capital, giving with purpose, and transitioning wealth to the next generation.
KEY CONCEPTS
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RRIF mandatory minimums and drawdown
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OAS clawback considerations
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Charitable giving — assets, bequests, DAFs
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Legacy transition and beneficiary planning
