What We Do?
Gilles R. Marceau & Associates Inc has been providing
comprehensive, holistic retirement planning to clients since
1988. Unlike most financial service providers, we sell no
products and collect no commissions or hidden fees. Our
fee for service approach results in each client receiving
only appropriate services, free from conflict of interest.
Our services ensure that clients can:
- Access professionals in financial & lifestyle consulting
who understand what is important about their lives (and
money).
- Understand the financial alternatives so that knowledgeable
decision(s) can be made.
- Appreciate they are working with a firm whose only source
of income is fees from clients.
Our full-spectrum service is offered on a retainer basis
(this means you pay a single annual fee and can call or
come in as frequently as needed).
We also provide pre-retirement planning for individuals
whose employers or associations have sponsored their participation
through our Internet Based LifeWare
Program (see Retirement Tools).
As a rule of thumb, we work with clients, only where we
can provide savings and/or added benefits in excess of our
cost, so it is a win-win solution for everybody!
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Retirement Planning Issues We Address in our Consulting
Most individuals in their mid to late 50s concern themselves
with proving retirement income during their lifetime.
And with a third of their lives still left to live, many
are beginning to realize their needs are different as
they think through the various stages of life they will
transition.
Our job:
- Help the client paint the picture of what he or she
wants and then keep him or her focused on their achievement.
- Inform & educate the client.
- Provide opinions & advice that leads to solutions
to the needs that the client has identified.
Being rather than Doing
During our work life our identities are often dependent
upon our occupations and or what we own. Being rather
than Doing must become the primary focus of our lives
in order to fully enjoy retirement. Retirement involves
a transition to a new way of living and requires a period
of adjustment. If one is to maximize his or her options,
it is necessary to take control of the future; to the
extent this is possible.
Slowing Down due to the Aging Process
The topic of aging is one that many prefer to avoid.
Yet, it is a process all of us must go through. We can
prepare for aging only if we talk about it. While it
may be difficult for some people to picture a situation
20 years into the future, it is an essential discussion
to ensure the personal retirement plan also addresses
potential needs.
Our retirement planning will ensure that you will be
worry free financially so that you can continue to make
valued contributions to all facets of life. We will also
address the estate planning issues associated with retirement.
This includes ensuring Wills and Powers of Attorney are
up to date.
Health and the potential affect on Finances
The effects of a possible long-term healthcare need
on an investment portfolio that is to provide income
not only to the healthy spouse but also the added financial
burden of proving alternative living accommodations for
the disabled spouse are potentially huge lifestyle related
issues that can have a significant effect on the retirement
plan.
While discussion of the end of life cycle may be an
uncomfortable subject, our retirement planning will take
into consideration this potential real situation. We
do so because we want our clients to make relevant choices
with respect to supporting their personal goals and needs
at all stages of their retirement years.
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Investment Counselling
Professional Investment Management Options
Ensuring that there are professional investment management options which are specifically geared towards the achievement of the retirement plan’s goals - now and throughout retirement -is many times a concern for clients.
We will provide due diligence on finding investment managers/ advisors who can meet the investment mandate.
Our requirement is quite simple but very difficult to achieve. We want our investment providers to build a pension investment portfolio that is targeted towards the objective of stabilizing performance in the retirement years. This means that they need to have experience in managing pension money.
The chosen Investment Management Solution will then structure the investment portfolio and manage to the requirements of the retirement plan.
Our bias is that all funds set aside for retirement should be managed for income first- growth second.
We believe when a retirement income has to be paid over a period of 25-35 years on a basis that addresses keeping the real purchasing power of the required pension income that only a very well diversified portfolio buying the best dividend and growth companies in the world should be considered.
Our standards are high because our clients are using their retirement income asset base for income and do not have the ability to regenerate their retirement portfolios.
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