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Matt Bedrosian, CFP, FMA, FCSI
Wealth Advisor
Tel: (905) 321-9868
(800) 265-7416
Fax: (905) 688-9722
matt_bedrosian@scotiamcleod.comMatt has been providing financial advice and investment solutions to his clients since 1998. His focus is establishing life-long client relationships by listening and responding to client needs. Matt shares a diverse understanding of capital markets and financial planning concepts. Committed to ongoing education, he has attained the Certified Financial Planner designation, the Financial Management Advisor designation and is a Fellow of the Canadian Securities Institute.
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John Julien, B.Comm (HONS), PFP
Wealth Advisor
Tel: (289) 241-6594
(800) 265-7416
Fax: (905) 688-9722
john_julien@scotiamcleod.comJohn began his career in the financial services industry in 2004 after graduating from the University of Windsor with a degree in Bachelor of Commerce. Through a disciplined financial planning process, he builds long-term client relationships by focusing on individual client needs. John brings an up-to-date and diverse knowledge of investments and capital markets, and has completed the Personal Financial Planner designation.
Retirement
Whether you are planning for your pending retirement or you are looking to enhance your current lifestyle in retirement, there are many factors to consider. Clearly, financial concerns are top of mind when you ask most Canadians about retirement. Although these concerns are valid, there are more than just financial matters to consider.
From our perspective, we try to advise our clients to discuss many of these matters with both their families and ourselves before they even get into retirement. This process can uncover future needs and it can also help you start to think about things that maybe you really have not thought about before. You may be surprised to learn that one of the more common themes we get from those clients we have helped through their retirement is: “Retirement really isn’t what I expected.”
Although there is a lot to be said for spontaneity in life, here are a few topics for you and your spouse to consider as your approach retirement:
Do we plan to work part-time?
Are there health issues to consider?
Are there volunteer programs or charities in the Niagara region we would like to get involved with?
Do we plan on downsizing our current home?
How are we going to spend all of this newfound time?
Do we want to travel? Can we afford to?
Will our current health insurance and/or benefit coverage change?
Can we spend more time with our children/grandchildren?
“Retirement really isn’t what I expected.” Are you really prepared?