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Retirement planning

Be well prepared for this stage of life…

Retirement planning

Retirement planning is an essential element that we all need to think about. This is the last stage of life that absolutely must be planned. We all want to arrive at this stage well prepared in order to experience a peaceful retirement, whatever our individual life journey. To do this, Villeneuve Wealth Management is a valuable ally who can offer you listening, advice and financial investments and personal insurance products adapted to your needs.

When building your retirement plan, we will examine your financial situation, your concerns and your objectives in order to provide you with a personalized retirement plan.

What elements should I consider in my retirement plan?

Personal goals

What is your vision of your retirement? Would you like to live in the countryside or travel around the world by sailboat? According to your wishes, our advisor and our financial planner will adjust your plan to make it happen.


Planning is arguably the most important part of achieving your goals. Indeed, depending on your personal goals, the projection of your cost of living in retirement will change. Together, we will determine your savings needs, your sources of income and retirement expenses. We will accompany you to adjust your plan throughout your life.

Economic factors

he rate of inflation, interest rates, stock market returns, the Québec Pension Plan and the Canada Pension Plan (CPP) are economic factors that will have an impact on your retirement plan. It is important to take these into consideration when planning for retirement. There are several ways to protect against certain variations in the economy.

Human factor

Family history, your gender and your lifestyle are three factors among many that will have an impact on your life expectancy. In addition, a good retirement plan will take into account your personality such as investor profile and your objectives.

Review of your finances

In order to be able to adequately advise you on your investments and retirement planning, we will take the time to take stock of your finances together. Afterwards, we will have a much better idea of what elements we can work on. Example of elements to draw up a portrait of your finances:
  • List your assets
  • List your liabilities
  • List of income and expenses
Depending on the final portrait, we will be able to target elements to work on and we will make recommendations to improve your financial health.


The second step is to make a budget! This can help you better manage your money for the following reasons:
    1. Understand where your money is going
    2. Become aware of your income compared to your expenses
    3. Determine your budget surpluses/deficits
    4. Improve your understanding of your personal finances
    5. Increase your feeling of control over your finances and thus possible stress reduction
    6. Know your savings capacity
The budget is essential for sound management of your finances. If necessary, we will analyze your budget together in order to reflect on your expenses and income with the aim of increasing your liquidity and thus your quality of life.

Management of your debts

Now that we have taken stock of your finances and you have a detailed budget in hand, we can look at your debts.

The ultimate goal is to eliminate all of your debt in order to free up these payments to save for your retirement, achieve personal goals, but also simply to please yourself!

Obviously, each of your debts will be analyzed to determine the order in which you should repay them. Indeed, we will favor debts with the highest interest rates. Credit cards are generally the debts that cost you the most in interest.

Example credit card fees: 19.9% interest rate with a balance of $5,000

If you only make the minimum monthly payment of $150 (3%), it will take you 4 years and 1 month to pay off your card in full.

In the end, you will have paid credit fees of $2,336.67 and therefore your purchases of $5,000 would have actually cost you $7,336.67, or 47% more.

The credit card is an advantageous financial tool when used correctly, but you must be careful not to fall into certain traps:

  • Spending beyond your means
  • Hard your credit score if you have late payments or use up a lot of your borrowing capacity
  • Incurring significant interest charges when you don’t repay your balance monthly

On the other hand, certain debts with lower rates may not be a priority because you can, in general, invest elsewhere with a higher average return. For example, student loans have low interest rates compared to the average stock market return and the interest charges are tax deductible. It would therefore be more advantageous for you to invest your budget surplus in the stock market rather than repay your student loan more quickly.


At the same time as managing your debts, together we will organize an investment strategy based on your objectives. For example, changing your car, traveling, buying a house as well as your retirement income will be the type of goals that savings will allow you to achieve. By combining systematic savings and a return adapted to your needs, you can achieve your goals.

Fictional case Mrs. Laroche, 24 years old, nurse
Annual salary: $70,000

In order to save for her retirement, we agreed with Mrs. Laroche that she would save $300/month and that she would invest it in an investment vehicle with an average expected return of 6% annually. Mrs. Laroche plans to retire at 65. Therefore, his investment horizon is 41 years (65 – 24 years)

Balance accumulated at age 65 according to projection calculations: $613,310

After discussion with Mrs. Laroche, she asked us to calculate the accumulated balance if she saved $500/month rather than $300/month

Balance accumulated at age 65 according to projection calculations: $1,022,184

Interesting facts

Mrs. Laroche will have saved only $246,000, but will have collected interest of the order of $776,184 (246,000 + 776,184 = $1,022,184)

Impressive isn't it?

This is exactly why Albert Einstein once said «Compound interest is the greatest invention the world has ever produced»

Interested in having a projection of your retirement?

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They recommend Villeneuve Wealth Management

Alexandre is very easy to talk to and has exceptional organizational skills and attention to detail. He is responsive and always willing to answer any questions I have, helping me in achieving my financial goals. I recommend Alexandre to anyone seeking an independent, competent, and dedicated partner in managing their finances.
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I would recommend to a friend looking for financial services.
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Mr. Villeneuve always takes the time to explain his recommendations and he always makes sure that we understand. He knows how to put us at ease.
Cathalina Armbruster
Mr. Villeneuve was very professional and human. His goal is truly to help people improve their financial situation. He was able to clearly explain the importance of investing and I felt his approach was personalized. I therefore recommend it for anyone who would like to start investing or improve their financial situation.
Pierre-Olivier Tremblay
Mr. Villeneuve helped me understand how to invest my money so that I could save for my future. He is reassuring and explains well what needs to be done.
Rosalie Ferri
Alexandre inspires confidence. Professional and attentive. His advice is objective and personalized. I recommend it without hesitation.
Andrew Lapointe
Very satisfied. I highly recommend. He took the time needed to find the true needs of our family and our wallet. The service is very human and our questions were all answered clearly.
Alyssa Beaudoin
Alexandre knew how to direct my investments into the right investment portfolio. I recommend his personalized advice to everyone.
Marco Ferri
Very professional service! He is efficient, understanding and attentive. I recommend him without hesitation!
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