{"id":11562,"date":"2025-06-16T12:27:55","date_gmt":"2025-06-16T16:27:55","guid":{"rendered":"https:\/\/rosengroup.ca\/?page_id=11562"},"modified":"2025-06-16T13:31:48","modified_gmt":"2025-06-16T17:31:48","slug":"retirees","status":"publish","type":"page","link":"https:\/\/rosengroup.ca\/fr\/retirees\/","title":{"rendered":"Retrait\u00e9s"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(9,19,30,0.85) 0%|rgba(9,19,30,0.85) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(9,19,30,0.85)&#8221; background_color_gradient_end=&#8221;rgba(9,19,30,0.85)&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/06\/wealth-management-for-retirees_1.jpg&#8221; background_position=&#8221;top_center&#8221; background_vertical_offset=&#8221;25%&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; custom_css_main_element=&#8221;background-position: 50% 40%;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||8px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4>Retirees<\/h4>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;550px&#8221; max_width_tablet=&#8221;500px&#8221; max_width_phone=&#8221;&#8221; max_width_last_edited=&#8221;on|tablet&#8221; module_alignment=&#8221;center&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Wealth Management for Retirees<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;45bda54e-96c3-41cf-a663-5af8a7714565&#8243; header_2_font_size=&#8221;32px&#8221; max_width=&#8221;1000px&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Wealth management for retirees focuses on turning accumulated assets into a <strong class=\"font-serif\">reliable, long-term income while preserving capital and minimizing risk.<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_divider divider_weight=&#8221;2px&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;200px&#8221; custom_margin=&#8221;30px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_divider][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>As retirees shift from earning a salary to drawing income from savings, government benefits like the Canada Pension Plan (CPP) and Old Age Security (OAS), as well as employer pensions and personal investments, play a central role in sustaining their lifestyle. A clear understanding of all income sources, including RRSPs, RRIFs, TFSAs, and non-registered accounts, is essential to building a solid financial plan.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; module_id=&#8221;advice&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;90px||||false|false&#8221; pac_drh_column_numbers_tablet=&#8221;pac_drh_tab_col_one&#8221; pac_drh_column_numbers_phone=&#8221;pac_drh_phone_col_one&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||20px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;300ms&#8221; animation_intensity_slide=&#8221;5%&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; global_colors_info=&#8221;{}&#8221; box_shadow_vertical__hover_enabled=&#8221;off|hover&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_value.png&#8221; title_text=&#8221;icon_value&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;30px|-45px&#8221; transform_translate_tablet=&#8221;30px|-20px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|phone&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|phone&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; hover_enabled=&#8221;0&#8243; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Mulish|900||on|||||&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;16px&#8221; header_2_letter_spacing=&#8221;2px&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;left&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;30px||10px||false|false&#8221; custom_padding=&#8221;0px|30px|0px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Budgeting &amp; Spending<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;1px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Effective budgeting and spending are at the heart of retirement planning. Retirees must align their expenses with available income, distinguishing between essential needs and discretionary spending. Developing a sustainable withdrawal strategy\u2014typically around 3 to 4 percent annually\u2014helps ensure funds last throughout retirement. Regular reviews are important to adjust for inflation, unexpected healthcare costs, or lifestyle changes.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; module_id=&#8221;advice&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;90px||||false|false&#8221; hover_enabled=&#8221;0&#8243; pac_drh_column_numbers_tablet=&#8221;pac_drh_tab_col_one&#8221; pac_drh_column_numbers_phone=&#8221;pac_drh_phone_col_one&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; sticky_enabled=&#8221;0&#8243; custom_margin_phone=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||20px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;300ms&#8221; animation_intensity_slide=&#8221;5%&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; global_colors_info=&#8221;{}&#8221; box_shadow_vertical__hover_enabled=&#8221;off|hover&#8221; transform_styles__hover_enabled=&#8221;off|hover&#8221; transform_scale__hover_enabled=&#8221;off|hover&#8221; transform_translate__hover_enabled=&#8221;off|hover&#8221; transform_rotate__hover_enabled=&#8221;off|hover&#8221; transform_skew__hover_enabled=&#8221;off|hover&#8221; transform_origin__hover_enabled=&#8221;off|hover&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/05\/icon_growth.png&#8221; title_text=&#8221;icon_growth&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;30px|-45px&#8221; transform_translate_tablet=&#8221;30px|-20px&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; hover_enabled=&#8221;0&#8243; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243; transform_translate_phone=&#8221;30px|-20px&#8221;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Mulish|900||on|||||&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;16px&#8221; header_2_letter_spacing=&#8221;2px&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;left&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;30px||10px||false|false&#8221; custom_padding=&#8221;0px|30px|0px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Investment Management<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;1px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Investment management during retirement emphasizes preservation of capital, reduced volatility, and income generation. While many shift to more conservative portfolios, maintaining some growth investments can help keep pace with inflation. A diversified approach using dividend-paying stocks, fixed-income securities, and tax-efficient vehicles can provide a steady stream of income while managing risk.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row make_equal=&#8221;on&#8221; module_id=&#8221;advice&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;90px||||false|false&#8221; hover_enabled=&#8221;0&#8243; pac_drh_column_numbers_tablet=&#8221;pac_drh_tab_col_one&#8221; pac_drh_column_numbers_phone=&#8221;pac_drh_phone_col_one&#8221; saved_tabs=&#8221;all&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; sticky_enabled=&#8221;0&#8243; custom_margin_phone=&#8221;0px||||false|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; transform_translate_linked__hover=&#8221;off&#8221; custom_padding=&#8221;||20px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_delay=&#8221;300ms&#8221; animation_intensity_slide=&#8221;5%&#8221; box_shadow_style=&#8221;preset1&#8243; box_shadow_color=&#8221;rgba(0,0,0,0.1)&#8221; global_colors_info=&#8221;{}&#8221; box_shadow_vertical__hover=&#8221;&#8221; box_shadow_vertical__hover_enabled=&#8221;on|hover&#8221; transform_styles__hover_enabled=&#8221;on|hover&#8221; transform_scale__hover_enabled=&#8221;on|hover&#8221; transform_translate__hover_enabled=&#8221;on|desktop&#8221; transform_rotate__hover_enabled=&#8221;on|desktop&#8221; transform_skew__hover_enabled=&#8221;on|desktop&#8221; transform_origin__hover_enabled=&#8221;on|desktop&#8221; custom_css_main_element_last_edited=&#8221;on|tablet&#8221; custom_css_main_element_tablet=&#8221;margin-bottom: 60px !important;&#8221; custom_css_main_element_phone=&#8221;margin-bottom: 60px !important;&#8221;][et_pb_image src=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2025\/02\/icon_house.png&#8221; title_text=&#8221;icon_house&#8221; align=&#8221;center&#8221; module_class=&#8221;round-image&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#86754E&#8221; transform_scale_tablet=&#8221;&#8221; transform_scale_phone=&#8221;&#8221; transform_scale_last_edited=&#8221;on|desktop&#8221; transform_translate=&#8221;30px|-45px&#8221; transform_translate_tablet=&#8221;30px|-20px&#8221; transform_translate_phone=&#8221;&#8221; transform_translate_last_edited=&#8221;on|tablet&#8221; transform_translate_linked=&#8221;off&#8221; transform_rotate_tablet=&#8221;&#8221; transform_rotate_phone=&#8221;&#8221; transform_rotate_last_edited=&#8221;on|desktop&#8221; transform_skew_tablet=&#8221;&#8221; transform_skew_phone=&#8221;&#8221; transform_skew_last_edited=&#8221;on|desktop&#8221; transform_origin_tablet=&#8221;&#8221; transform_origin_phone=&#8221;&#8221; transform_origin_last_edited=&#8221;on|desktop&#8221; transform_styles_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;90px&#8221; module_alignment=&#8221;left&#8221; custom_margin=&#8221;||-40px||false|false&#8221; custom_margin_tablet=&#8221;||-20px||false|false&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;25px|25px|25px|25px|true|true&#8221; hover_enabled=&#8221;0&#8243; transform_styles_tablet=&#8221;&#8221; transform_styles_phone=&#8221;&#8221; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_2_font=&#8221;Mulish|900||on|||||&#8221; header_2_text_color=&#8221;#000000&#8243; header_2_font_size=&#8221;16px&#8221; header_2_letter_spacing=&#8221;2px&#8221; background_enable_color=&#8221;off&#8221; text_orientation=&#8221;left&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;30px||10px||false|false&#8221; custom_padding=&#8221;0px|30px|0px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Tax &amp; Estate Planning<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;1px|30px|30px|30px|false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Tax planning and estate considerations also play a crucial role in wealth management for retirees. Strategic withdrawals from registered accounts, use of TFSAs, and income-splitting with a spouse can reduce tax burdens and avoid OAS clawbacks. Meanwhile, keeping wills, powers of attorney, and beneficiary designations up to date ensures a smooth transfer of wealth and honors personal wishes. Working with Rosen Group Private Wealth Management Ltd. can help retirees make informed decisions and stay confident in their financial future.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;50px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjM4OCJ9fQ==@&#8221; button_text=&#8221;Work With Us&#8221; button_alignment=&#8221;left&#8221; _builder_version=&#8221;4.27.4&#8243; _dynamic_attributes=&#8221;button_url&#8221; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.10.8&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#09131E&#8221; background_image=&#8221;https:\/\/rosengroup.ca\/wp-content\/uploads\/2022\/03\/cta-footer-background-paralax_2.jpg&#8221; parallax=&#8221;on&#8221; custom_padding=&#8221;120px||120px||false|false&#8221; global_module=&#8221;868&#8243; saved_tabs=&#8221;all&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row make_equal=&#8221;on&#8221; module_class=&#8221;align-center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dsm_typing_effect before_typing_effect=&#8221;Invest in &#8221; typing_effect=&#8221;yourself.|your future.&#8221; typing_speed=&#8221;50ms&#8221; typing_backdelay=&#8221;3000ms&#8221; typing_cursor=&#8221;| &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h2&#8243; header_text_align=&#8221;center&#8221; header_text_color=&#8221;#FFFFFF&#8221; header_font_size=&#8221;60px&#8221; custom_margin=&#8221;||0px||false|false&#8221; header_text_align_tablet=&#8221;center&#8221; header_text_align_phone=&#8221;&#8221; header_text_align_last_edited=&#8221;on|tablet&#8221; header_font_size_tablet=&#8221;48px&#8221; header_font_size_phone=&#8221;36px&#8221; header_font_size_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/dsm_typing_effect][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>RetireesWealth Management for RetireesWealth management for retirees focuses on turning accumulated assets into a reliable, long-term income while preserving capital and minimizing risk.As retirees shift from earning a salary to drawing income from savings, government benefits like the Canada Pension Plan (CPP) and Old Age Security (OAS), as well as employer pensions and personal investments, play a central role in sustaining their lifestyle. A clear understanding of all income sources, including RRSPs, RRIFs, TFSAs, and non-registered accounts, is essential to building a solid financial plan.Budgeting &amp; SpendingEffective budgeting and spending are at the heart of retirement planning. Retirees must align their expenses with available income, distinguishing between essential needs and discretionary spending. Developing a sustainable withdrawal strategy\u2014typically around 3 to 4 percent annually\u2014helps ensure funds last throughout retirement. Regular reviews are important to adjust for inflation, unexpected healthcare costs, or lifestyle changes.Investment ManagementInvestment management during retirement emphasizes preservation of capital, reduced volatility, and income generation. While many shift to more conservative portfolios, maintaining some growth investments can help keep pace with inflation. A diversified approach using dividend-paying stocks, fixed-income securities, and tax-efficient vehicles can provide a steady stream of income while managing risk.Tax &amp; Estate PlanningTax planning and estate considerations [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-11562","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Retirees | Rosen Group Private Wealth Management<\/title>\n<meta name=\"description\" content=\"Our mission is to provide specialized financial services that help you manage your wealth and plan for the future.\" \/>\n<meta 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