Retirement
Securing and structuring your retirement income.
The retirement service of Groupe Conseil Sabin Painchaud, a private wealth management team of National Bank Financial in Quebec, turns accumulated capital into lasting retirement income. The team structures the order of account withdrawals and coordinates government programs (QPP, OAS) to maximize net income in retirement.
Moving from accumulation to drawdown is one of the most delicate transitions of a financial life. It calls for a precise strategy to turn your capital into lasting income.
We structure the order of withdrawals from your accounts, coordinate government programs and adjust your portfolio to combine security and growth.
How we work
Drawdown strategy
The optimal withdrawal order to maximize your net income.
Public programs
QPP, OAS: maximize and coordinate your benefits.
Capital longevity
Projections to ensure your wealth lasts.
Predictable income
A stable, planned income stream.
Your questions, answered.
It depends on your health, your other income and your tax situation. We analyze the optimal scenario as part of your plan.
Our projections assess how long your capital will last under different return and longevity scenarios, so you can have peace of mind based on numbers.
The amount depends on your target lifestyle, your life expectancy, your other income (QPP, OAS, pensions) and expected returns. Our projections quantify your “number” and test its robustness across scenarios.
The optimal withdrawal order varies with your taxation, your government benefits and your estate goals. A well-planned sequence can extend the life of your capital and reduce the total tax paid in retirement.
Calculators related to this service.
Next step
Let’s build a strategy worthy of your ambitions.
A first confidential meeting, with no obligation, to explore how our team can serve your interests.