Planning your Retirement in the next 36 months

Planning Your Retirement in the Next 36 Months?

Written by Jack Lumsden, MBA, CFP®, Financial Advisor, Assante Financial Management Ltd. Additional editing by ChatGPT.

Are you considering retiring in the next 36 months, perhaps in 2024, 2025, or 2026? If so, it’s crucial to make sure you’re on the right financial path.

Facing Key Challenges in Retirement Planning

As you start this journey, you’ll come across essential questions:

  • Do we have enough saved?
  • How much can we spend each year without running out of money?
  • How do we get money from our investments into our bank account every month?
  • What’s the best way to use and invest our money?
  • What is the best way to take out money from our savings?
  • How can we pay less in taxes?
  • When should we start the Canada Pension Plan and Old Age Security?
  • How can we effectively pass our money and assets on to the next generation?


These are big questions that need careful answers. Retirement is a significant life event, and careful planning is crucial.

To guide your thinking and kickstart your journey, consider exploring the following articles:

The Four Pillars to a Successful and Happy Retirement

The Three Stages of Retirement Spending

Six Unique Risks to Retirement Income Planning

4 Things Retirees should know about the 4% rule

The Retiree’s Initial Tax Decision

Retiree’s Tax Planning Checklist

You can also download refer to our White Paper: Your Retirement Road Map; How to Make the Transition to Retirement HERE

Your Customized Guide to Retirement Planning

Connecting with a Certified Financial Planning Professional (CFP®), specializing in retirement planning, can provide you with a personalized roadmap to assess if you’re heading in the right direction.

I recommend reaching out to your financial planner to update your plans. If you’re curious whether your current retirement strategy aligns with your goals or if you’d like an alternative perspective, feel free to contact us. You can send an email to jlumsden@assante, give us a call at 905.332.5503, or easily schedule a meeting CLICK HERE

For more information, refer to Preserving Wealth: The Next Generation – The definitive guide to protecting, investing, and transferring Wealth by Jack Lumsden, MBA, CFP®.

For your FREE Copy of Preserving Wealth, CLICK HERE

For your free retirement review, CLICK HERE

Jack Lumsden is a Financial Advisor with Assante Financial Management Ltd. The opinions expressed are those of the author and not necessarily those of Assante Financial Management Ltd. Please contact him at 905.332.5503 or visit to discuss your circumstances before acting on the information above.

Insurance products are services provided through Assante Estate and Insurance Services Inc.

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