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“Why is it important to revisit my financial plan?”
It’s a question we hear fairly often. For some clients, strategies that were once working well can start to look a little different as life changes.
Insurance may have been put in place for a specific reason that no longer applies, investments can end up spread across different institutions, and certain positions can grow larger than originally intended simply by being left alone.
These changes are usually gradual and easy to miss in the day-to-day. But over time, they add up, and the overall plan can drift from how it was originally set up.
Revisiting a financial plan is an important step we take with our clients to make sure everything still reflects where they are today and how they want things to look going forward.
It’s a question we hear fairly often. For some clients, strategies that were once working well can start to look a little different as life changes.
Insurance may have been put in place for a specific reason that no longer applies, investments can end up spread across different institutions, and certain positions can grow larger than originally intended simply by being left alone.
These changes are usually gradual and easy to miss in the day-to-day. But over time, they add up, and the overall plan can drift from how it was originally set up.
Revisiting a financial plan is an important step we take with our clients to make sure everything still reflects where they are today and how they want things to look going forward.
“Why is it important to revisit my financial plan?”
It’s a question we hear fairly often. For some clients, strategies that were once working well can start to look a little different as life changes.
Insurance may have been put in place for a specific reason that no longer applies, investments can end up spread across different institutions, and certain positions can grow larger than originally intended simply by being left alone.
These changes are usually gradual and easy to miss in the day-to-day. But over time, they add up, and the overall plan can drift from how it was originally set up.
Revisiting a financial plan is an important step we take with our clients to make sure everything still reflects where they are today and how they want things to look going forward.
It’s a question we hear fairly often. For some clients, strategies that were once working well can start to look a little different as life changes.
Insurance may have been put in place for a specific reason that no longer applies, investments can end up spread across different institutions, and certain positions can grow larger than originally intended simply by being left alone.
These changes are usually gradual and easy to miss in the day-to-day. But over time, they add up, and the overall plan can drift from how it was originally set up.
Revisiting a financial plan is an important step we take with our clients to make sure everything still reflects where they are today and how they want things to look going forward.
Would $1M be enough for you to retire?
Many people have been taught to think about retirement in terms of savings goals rather than income. The truth is, retirement isn't about how much money you have, it's about what that money can do for you.
One of the most rewarding conversations we have with clients is helping them realize they may be closer to retirement than they think. Often, they've spent years focused on accumulating assets without calculating what those assets could generate in retirement income.
When we shift the conversation from portfolio value to monthly income, the picture can look very different.
That's where strategies like our Paycheque Portfolio can help. It's designed to generate consistent monthly income, helping clients turn their savings into a retirement paycheque.
If you're curious about what your investments could mean for your retirement income, we'd be happy to help you explore the possibilities.
Many people have been taught to think about retirement in terms of savings goals rather than income. The truth is, retirement isn't about how much money you have, it's about what that money can do for you.
One of the most rewarding conversations we have with clients is helping them realize they may be closer to retirement than they think. Often, they've spent years focused on accumulating assets without calculating what those assets could generate in retirement income.
When we shift the conversation from portfolio value to monthly income, the picture can look very different.
That's where strategies like our Paycheque Portfolio can help. It's designed to generate consistent monthly income, helping clients turn their savings into a retirement paycheque.
If you're curious about what your investments could mean for your retirement income, we'd be happy to help you explore the possibilities.
Would $1M be enough for you to retire?
Many people have been taught to think about retirement in terms of savings goals rather than income. The truth is, retirement isn't about how much money you have, it's about what that money can do for you.
One of the most rewarding conversations we have with clients is helping them realize they may be closer to retirement than they think. Often, they've spent years focused on accumulating assets without calculating what those assets could generate in retirement income.
When we shift the conversation from portfolio value to monthly income, the picture can look very different.
That's where strategies like our Paycheque Portfolio can help. It's designed to generate consistent monthly income, helping clients turn their savings into a retirement paycheque.
If you're curious about what your investments could mean for your retirement income, we'd be happy to help you explore the possibilities.
Many people have been taught to think about retirement in terms of savings goals rather than income. The truth is, retirement isn't about how much money you have, it's about what that money can do for you.
One of the most rewarding conversations we have with clients is helping them realize they may be closer to retirement than they think. Often, they've spent years focused on accumulating assets without calculating what those assets could generate in retirement income.
When we shift the conversation from portfolio value to monthly income, the picture can look very different.
That's where strategies like our Paycheque Portfolio can help. It's designed to generate consistent monthly income, helping clients turn their savings into a retirement paycheque.
If you're curious about what your investments could mean for your retirement income, we'd be happy to help you explore the possibilities.
Three weeks after purchasing our family cottage, I got a phone call no property owner ever wants to receive: there had been a fire.
Thankfully, no one was hurt. But in the aftermath, I was reminded how quickly circumstances can change and how little control we have over unexpected events.
The experience reinforced something I often discuss with clients: insurance isn't about expecting the worst, it's about being prepared if the unexpected happens. Protecting what you've built is just as important as building it in the first place.
When you're facing a difficult situation, the last thing you want to be stressing about is your finances. I'm grateful my family had the right coverage when we needed it most.
While our team does not focus on property insurance, helping clients with disability, life, critical illness coverage is an important part of the work we do every day, so they can know they're protected when life doesn't go according to plan.
Thankfully, no one was hurt. But in the aftermath, I was reminded how quickly circumstances can change and how little control we have over unexpected events.
The experience reinforced something I often discuss with clients: insurance isn't about expecting the worst, it's about being prepared if the unexpected happens. Protecting what you've built is just as important as building it in the first place.
When you're facing a difficult situation, the last thing you want to be stressing about is your finances. I'm grateful my family had the right coverage when we needed it most.
While our team does not focus on property insurance, helping clients with disability, life, critical illness coverage is an important part of the work we do every day, so they can know they're protected when life doesn't go according to plan.
Three weeks after purchasing our family cottage, I got a phone call no property owner ever wants to receive: there had been a fire.
Thankfully, no one was hurt. But in the aftermath, I was reminded how quickly circumstances can change and how little control we have over unexpected events.
The experience reinforced something I often discuss with clients: insurance isn't about expecting the worst, it's about being prepared if the unexpected happens. Protecting what you've built is just as important as building it in the first place.
When you're facing a difficult situation, the last thing you want to be stressing about is your finances. I'm grateful my family had the right coverage when we needed it most.
While our team does not focus on property insurance, helping clients with disability, life, critical illness coverage is an important part of the work we do every day, so they can know they're protected when life doesn't go according to plan.
Thankfully, no one was hurt. But in the aftermath, I was reminded how quickly circumstances can change and how little control we have over unexpected events.
The experience reinforced something I often discuss with clients: insurance isn't about expecting the worst, it's about being prepared if the unexpected happens. Protecting what you've built is just as important as building it in the first place.
When you're facing a difficult situation, the last thing you want to be stressing about is your finances. I'm grateful my family had the right coverage when we needed it most.
While our team does not focus on property insurance, helping clients with disability, life, critical illness coverage is an important part of the work we do every day, so they can know they're protected when life doesn't go according to plan.
"When can I actually retire?" It's one of the most common questions that comes up in financial planning conversations, and it's rarely as simple as picking a number.
The answer depends on what retirement actually looks like for you. The income you'll need, when you want to stop working, and how long that chapter needs to last.
From there, the plan works backwards. What needs to be in place, by when, and how each piece fits together to help get you there.
You may be closer than you think, let's start the conversation: https://advisor.sunlife.ca/trevor.schentag/connect/
The answer depends on what retirement actually looks like for you. The income you'll need, when you want to stop working, and how long that chapter needs to last.
From there, the plan works backwards. What needs to be in place, by when, and how each piece fits together to help get you there.
You may be closer than you think, let's start the conversation: https://advisor.sunlife.ca/trevor.schentag/connect/
"When can I actually retire?" It's one of the most common questions that comes up in financial planning conversations, and it's rarely as simple as picking a number.
The answer depends on what retirement actually looks like for you. The income you'll need, when you want to stop working, and how long that chapter needs to last.
From there, the plan works backwards. What needs to be in place, by when, and how each piece fits together to help get you there.
You may be closer than you think, let's start the conversation: https://advisor.sunlife.ca/trevor.schentag/connect/
The answer depends on what retirement actually looks like for you. The income you'll need, when you want to stop working, and how long that chapter needs to last.
From there, the plan works backwards. What needs to be in place, by when, and how each piece fits together to help get you there.
You may be closer than you think, let's start the conversation: https://advisor.sunlife.ca/trevor.schentag/connect/
Many families are doing a lot of things right. But even well-prepared plans can have gaps that quietly cost more over time.
Scattered investments, an undefined income strategy, insurance that no longer fits, missed tax efficiencies, an incomplete estate plan. These are the blind spots that come up most often, and they're easy to miss precisely because everything else looks fine.
If it's been a while since you've looked at the full picture, it might be time to revisit your plan.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
Scattered investments, an undefined income strategy, insurance that no longer fits, missed tax efficiencies, an incomplete estate plan. These are the blind spots that come up most often, and they're easy to miss precisely because everything else looks fine.
If it's been a while since you've looked at the full picture, it might be time to revisit your plan.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
Many families are doing a lot of things right. But even well-prepared plans can have gaps that quietly cost more over time.
Scattered investments, an undefined income strategy, insurance that no longer fits, missed tax efficiencies, an incomplete estate plan. These are the blind spots that come up most often, and they're easy to miss precisely because everything else looks fine.
If it's been a while since you've looked at the full picture, it might be time to revisit your plan.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
Scattered investments, an undefined income strategy, insurance that no longer fits, missed tax efficiencies, an incomplete estate plan. These are the blind spots that come up most often, and they're easy to miss precisely because everything else looks fine.
If it's been a while since you've looked at the full picture, it might be time to revisit your plan.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
When you call us, you get someone who knows your situation, your goals, and your history.
That continuity matters more than most people realize. Good advice isn't just about the numbers. It's about having someone in your corner who understands the full picture every time you connect.
If your current experience feels more like a transaction than a relationship, we'd love to show you the difference.
Let's connect: https://advisor.sunlife.ca/trevor.schentag/connect/
That continuity matters more than most people realize. Good advice isn't just about the numbers. It's about having someone in your corner who understands the full picture every time you connect.
If your current experience feels more like a transaction than a relationship, we'd love to show you the difference.
Let's connect: https://advisor.sunlife.ca/trevor.schentag/connect/
When you call us, you get someone who knows your situation, your goals, and your history.
That continuity matters more than most people realize. Good advice isn't just about the numbers. It's about having someone in your corner who understands the full picture every time you connect.
If your current experience feels more like a transaction than a relationship, we'd love to show you the difference.
Let's connect: https://advisor.sunlife.ca/trevor.schentag/connect/
That continuity matters more than most people realize. Good advice isn't just about the numbers. It's about having someone in your corner who understands the full picture every time you connect.
If your current experience feels more like a transaction than a relationship, we'd love to show you the difference.
Let's connect: https://advisor.sunlife.ca/trevor.schentag/connect/
Running a business means your financial picture is always moving. Twice a year, we sit down to make sure your plan is keeping pace.
What a biannual review covers: investment performance, life and business changes, tax updates, and a check-in on your goals. Not a quick call. A real look at where things stand and where they're headed.
Because a plan that isn't revisited regularly is just a snapshot of where you used to be.
If you're a business owner who hasn't reviewed your plan recently, it might be time: https://advisor.sunlife.ca/trevor.schentag/connect/
What a biannual review covers: investment performance, life and business changes, tax updates, and a check-in on your goals. Not a quick call. A real look at where things stand and where they're headed.
Because a plan that isn't revisited regularly is just a snapshot of where you used to be.
If you're a business owner who hasn't reviewed your plan recently, it might be time: https://advisor.sunlife.ca/trevor.schentag/connect/
Running a business means your financial picture is always moving. Twice a year, we sit down to make sure your plan is keeping pace.
What a biannual review covers: investment performance, life and business changes, tax updates, and a check-in on your goals. Not a quick call. A real look at where things stand and where they're headed.
Because a plan that isn't revisited regularly is just a snapshot of where you used to be.
If you're a business owner who hasn't reviewed your plan recently, it might be time: https://advisor.sunlife.ca/trevor.schentag/connect/
What a biannual review covers: investment performance, life and business changes, tax updates, and a check-in on your goals. Not a quick call. A real look at where things stand and where they're headed.
Because a plan that isn't revisited regularly is just a snapshot of where you used to be.
If you're a business owner who hasn't reviewed your plan recently, it might be time: https://advisor.sunlife.ca/trevor.schentag/connect/
Many people assume CPP will cover the bulk of their retirement income. It likely won't.
CPP is designed to replace roughly 25% of pre-retirement earnings, up to the year's Maximum Pensionable Earnings. The rest of your income needs to come from somewhere else. Workplace pensions, RRSPs, TFSAs, OAS, investments. Each has its own rules, its own tax treatment, and its own timing decisions.
Getting those details right matters more than most people expect.
If you haven't mapped out where your retirement income is actually coming from, it might be time to take a closer look.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
CPP is designed to replace roughly 25% of pre-retirement earnings, up to the year's Maximum Pensionable Earnings. The rest of your income needs to come from somewhere else. Workplace pensions, RRSPs, TFSAs, OAS, investments. Each has its own rules, its own tax treatment, and its own timing decisions.
Getting those details right matters more than most people expect.
If you haven't mapped out where your retirement income is actually coming from, it might be time to take a closer look.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
Many people assume CPP will cover the bulk of their retirement income. It likely won't.
CPP is designed to replace roughly 25% of pre-retirement earnings, up to the year's Maximum Pensionable Earnings. The rest of your income needs to come from somewhere else. Workplace pensions, RRSPs, TFSAs, OAS, investments. Each has its own rules, its own tax treatment, and its own timing decisions.
Getting those details right matters more than most people expect.
If you haven't mapped out where your retirement income is actually coming from, it might be time to take a closer look.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
CPP is designed to replace roughly 25% of pre-retirement earnings, up to the year's Maximum Pensionable Earnings. The rest of your income needs to come from somewhere else. Workplace pensions, RRSPs, TFSAs, OAS, investments. Each has its own rules, its own tax treatment, and its own timing decisions.
Getting those details right matters more than most people expect.
If you haven't mapped out where your retirement income is actually coming from, it might be time to take a closer look.
Book a call: https://advisor.sunlife.ca/trevor.schentag/connect/
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