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During the last market downturn, retirees who had all their assets in equities saw their nest egg shrink by almost 35% over a 12 month period. This is an absolute nightmare scenario for a retiree, and unfortunately, it was a reality for too many hard-working people.

Proper asset allocation is critical for a successful long-term financial strategy and it is especially important for retirees. As a general rule, it is unwise for a retired to have 100% of their assets in equities at any time. Figuring out what it looks like takes the personal investigation into each person’s risk tolerance and investment objectives.

During retirement, income needs can become pressing. Can you generate sufficient income without drawing down on your principal? What is the best way to generate income without taking excessive risks?

A financial advisor can help you figure out what level of risk is suitable for you. Even the best captains have an entire crew to help them run the ship. Your financial adviser is here to ensure you maintain a safe steady course, peering through the binoculars to scan the horizon for obstacles.

Your major financial obligations may include

  • Converting RRSP assets into retirement income
  • A retirement property
  • Increased travel and leisure expenses
  • Increased health care costs (including medical insurance)

Your financial priorities may include

  • Reducing the risk level of your investment portfolio
  • Budgeting to preserve retirement income
  • Tax planning
  • Estate planning and reviewing your will
  • Arranging a reverse mortgage on your home to generate income
  • Special circumstances

There are a number of events that can take place at any time during your life that may also cause you to rethink your financial strategy. These include

  • Marriage 
  • Divorce
  • Birth of children
  • Death of a spouse
  • A new job or career
  • Job loss
  • Relocation 
  • Major illness
  • Major changes in taxation rules
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