Retirement Planning

Here’s a wake-up call: nearly half of Canadians aged 55-64 have less than $50,000 saved for retirement. Will your savings last as long as you do? At Sykora Financial, we believe a good retirement plan starts early—but it’s never too late to take control of your future. Our mission is simple: to ensure your money outlasts you, not the other way around.

Retirement planning isn’t a one-size-fits-all exercise. Your goals, lifestyle, and financial situation are unique—and your plan should be too. That’s why we use advanced software to visualize your portfolio, project growth, and create a tailored strategy that maximizes your income while minimizing taxes. Whether you’re decades away from retirement or already there, we’ll help you make the most of your savings.

How We Help You Retire with Confidence

Here’s what we do differently:

• Retirement Account Growth: We help you grow your investments strategically, so your portfolio works as hard as you do.
• Saving Strategies: From RRSPs to TFSAs, we’ll show you the best ways to save for retirement based on your income and goals.
• Tax Minimization: We create decumulation strategies to help you withdraw from your accounts in the most tax-efficient way possible.
• Pension Calculations: Whether you’re considering commuting your pension or need help understanding your options, we’ve got you covered.
• Documentation Strategies: We ensure your retirement plan is backed by the right legal and financial documents, so your wishes are honored.
• Business Owner Strategies: If you’re a business owner, we’ll help you transition out of your business while preserving your wealth.

The Sykora Difference

What sets us apart? We’re not just advisors—we’re planners. Here’s how we deliver value:

• Visualized Projections: Using cutting-edge software, we show you exactly how your portfolio will perform under different scenarios.
• Optimal Decumulation: We calculate the best way to withdraw from your accounts to minimize taxes and maximize income.
• Realistic Expectations: We give you a clear picture of what’s required to retire comfortably and how long your assets will last.

Ready to Take the First Step?

Retirement planning isn’t just about numbers—it’s about peace of mind. It’s knowing that you can enjoy the lifestyle you’ve worked so hard for, without worrying about running out of money.

At Sykora Financial, we’re here to guide you every step of the way. Whether you’re just starting to save or need help optimizing your retirement income, we’ll create a plan that’s as unique as you are.