RazorPlan: Retirement “Decumulation” Planning

This session will focus on decumulation planning and how to use the “Wealth at Risk” (WaR) feature to allocate income withdrawals between RRSP, Non-Registered, TFSA, LIRA and Corporate Investments for maximum value. Additionally, you can use WaR to determine the best age to begin CPP and OAS to reduce the probability of your client out living their money. Dave will also show you how to easily transition from Retirement Planning to Estate Planning and how to identify needs and establish funding for permanent insurance solutions.

Learning Objectives

  1. Housekeeping items
  2. Sample Decumulation File
    • $500,000 Capital
    • $1,000,000 Capital
    • $2,000,000 Capital
  3. Withdrawal Allocation
  4. Client “Decumulation” Profile
    • Decumulation Checklist
    • CPP/OAS Checklist
  5. Wealth at Risk (WaR)
    • Review WaR Interface
    • How age Impacts Results
    • The Role of Life Insurance

Resources For This Session

Jan 11 – 12 session recording – Click here
Decumulation checklist – Click here
CPP | OAS checklist – Click here