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Do you share these common concerns regarding your plans for retirement?

Am I on track for the retirement I want? Can I retire early? Will I still be able afford the things I love? Have I saved enough?



Planning for retirement can be overwhelming and confusing.
We help clarify your financial picture, so that you can plan
for the best retirement possible.



Here’s How We Help:

We always start with an objective review of your family's finances You will learn the best ways to maximize income in retirement We provide actionable strategies to help you build wealth You will learn how to proactively approach tax planning in retirement

retirement planning ottawa

Here’s What Some of Our Happy Clients Have to Say:

testimonials

“I got so much value from our meetings. I’m so glad we did this”

Joann M., Ottawa




testimonials

“Ayana is very professional, but also very easy to talk to, and delivered to me exactly what I wanted. I would recommend her highly.” Wayne J., Ottawa

testimonials

"Retirement in View put it all in perspective and helped us pin point what really matters to us. She was so thorough and honest and it all came together so efficiently.”
Nicole K., Ottawa

Maureen's Client Success Story:

Maureen Yates is a busy realtor in the Ottawa area. She wanted a second opinion with regards to her finances. She was looking for an independent financial advisor and wanted to work with a Certified Financial Planner in Ottawa. She was looking for an expert who was working in her best interest and without third-party conflicts of interest. Click below to go behind the scenes and see how our approach to proactive financial planning helped Maureen achieve the results and guidance she was seeking...




financial advisor ottawa

Certified Financial Planner Ottawa

A little bit about us...

Ayana Forward is the founder of Retirement in View. She has helped hundreds of clients clarify their financial picture and plan for retirement. She holds the Certified Financial Planner Designation and has been helping clients for over 10 years. She has been featured as a financial expert in:



You have a vision for what you want your retirement years to look like...


Unlimited leisure time spent on the golf course or ski hill Travelling to exotic destinations Precious moments with family and friends Learning new skills and pursuing your side projects Or maybe just relaxing in a hammock at the cottage



It's exciting to IMAGINE the possibilities...
Having a CLEAR PLAN in place is a crucial FIRST STEP
in designing the retirement of your DREAMS!


Getting Started is EASY!

Let’s Talk, book a free call today!

We'll discuss how best to organize your finances as you approach retirement Determine if you are on track for the retirement you want Help you identify any missed opportunities to reduce tax or increase wealth
The goal of the review session is to learn more about your individual situation and determine how we can best help you build a clear plan for retirement.


Ayana Forward, CFP Ottawa

Meet Your Planner
Ayana Forward, CFP®
Owner: Retirement in View

Certified Financial Planner Credential


How to Schedule a FREE Financial Planning Session!



① Schedule Online:

② Schedule by Email: info@retirementinview.ca

③ Schedule by Phone: 613-416-9593


Click for the BBB Business Review of this Financial Planning Consultants in Ottawa ON


Are you looking for an alternative to commission based financial advice?
Would you prefer to work with an independent, fee only financial planner?


Schedule a FREE Financial Planning Session today!
613-416-9593
info@retirementinview.ca


About Retirement in View

Our Story...

Ayana Forward started Retirement in View as an advice only financial planning practice after realizing most of her clients were asking for the same thing; an unbiased review of their finances, actionable strategies to help them achieve their goals, an environment free of sales pressure.


Ayana Forward, Retirement Planner Ottawa

Nice to meet you, I’m Ayana Forward...

I know how confusing and overwhelming it can be to put together the pieces of your retirement puzzle. I have helped hundreds of clients navigate the complex world of financial planning, visualize their long terms goals and plan for a secure and enjoyable retirement filled with the people and activities they love.

I'm proud to be a Fee-only Certified Financial Planner and founded Retirement in View in Ottawa as a means for Canadians to receive affordable, unbiased financial advice without needing a minimum account size or being pressured to buy financial products.

A little bit about me...
If I’m not packing snacks for my two boys you can find me cheering on Ottawa’s sports teams and enjoying the sites and sounds of the Capital.

My personal vision for retirement : Playing golf in the Maritimes.

Who do we work with?

We work mainly with clients who are within 10 years of retirement, are recently retired, or are thinking about retirement and just want to make sure they are on the right track. We have worked extensively with Federal Government employees, Self-employed health professionals, small business owners, University Faculty, Tech Sector professionals and many more.

What to expect:
Positivity, enthusiasm, kindness and a genuine willingness to help you proactively plan and organize your finances.
Ayana teaches practical strategies that you can implement to build wealth, and plan for a secure retirement.

In the local Ottawa Community

Ayana volunteers on annual basis with Revenue Canada's CVITP (Community Volunteer Income Tax Program) where she helps low income residents, newcomers, seniors and students file their taxes.

In 2018 Ayana started a scholarship for a member the University of Ottawa Women's soccer team.

Ayana is an approved contributor to Canada's Financial Literacy Database. She has authored a number of financial resources including spreadsheets, free worksheets, checklists and calculators.


Retirement in View: Core Values

Client First Model: We place the best interest of the client ahead of our own

No Minimums: We help those who want unbiased advice regardless of account size

Objective Advice: We provide affordable, friendly, professional advice in an atmosphere free of sales pressure



Getting started is easy with a FREE Retirement Planning Strategy Session!




Fee Only Financial Planner Ottawa

HOW WE HELP - OUR MOST POPULAR SERVICES: 

Retirement Planning

Do I have enough to retire and when? What is most tax efficient order of withdrawal strategy for my investments? Which pot do I draw down first? (TFSA, RRSP, Non-Registered)? CPP/OAS - Is it more advantageous to take it early vs later? Clawbacks - what level of income do they start? How do I determine a reasonable target for retirement income? Exploring scenarios for the possibility of early retirement Help comparing pension options

Comprehensive Financial Planning

Cash flow and net worth projections Family financial check-up Education savings planning and projections Insurance needs analysis "Are you on track?"Fee for service financial planning

Tax Planning and Preparation

Optimized income splitting for new retirees Tax efficient withdrawal strategies for RRSPs and RRIFs Rental Properties Small Business

Fee Based Financial Advisor Ottawa

Guidance regarding appropriate asset allocation for your current investmentsTax efficiency advice Second opinion of current portfolio

Independent Wealth Management and Investment Advice

Help with implementation of an ETF portfolio Advice regarding best use of RRSPs, TFSAs, RRIFs and RESPs Automatic retirement savings and withdrawal plans

WHAT TO EXPECT: 

● Initial consultation to determine your goals and expectations
● Detailed review of your current financial situation
● Identification of any gaps and challenges that could hinder your current plan 
● Written recommendations and an action plan customized to your personal situation
● Assistance with the implementation of any recommendations
● Ongoing review and measurement of your progress

WHAT DOES FEE ONLY FINANCIAL PLANNING COST?: 

Ayana's rate is $185/hr. You can save by bundling hours into financial planning packages ranging from $995 (basic) to $2,500 (comprehensive).

Payment methods: We accept Visa, Mastercard, cheque and email money transfer.

The initial 30 minute phone consultation is complimentary: Book Here


Retirement in View: FAQs

WHAT DOES IT COST?: 

Ayana's rate is $185/hr. You can save by bundling hours into financial planning packages ranging from $995.00 (basic) to $2,500.00 (comprehensive) + HST. You can start with a basic package and use any credit towards the comprehensive package at a later date. Payment plans are available on all packages. We accept Visa, Mastercard, cheque and email money transfer.

IS THE INITIAL MEETING FREE:

An initial 30 Minutue phone session is available free.

WHERE ARE YOU LOCATED?
We are located centrally in Ottawa.

240 Catherine St.
Suite 201
Ottawa ON K2P 2G8
613-416-9593


HOW CAN I BENEFIT FROM THE FINANCIAL PLANNING PROCESS?

A financial plan will ensure you are on the right track with regards to your finances, savings goals and retirement plans. Having a comprehensive plan will also increase your confidence when it comes to managing your money, while helping you develop the habits necessary to build and maintain wealth. Here are just some of the benefits of the financial planning process:

●Make smarter investment decisions
●Learn strategies to maximize tax deductions and credits
●Create a clear plan for your retirement
●Know when your debts will be paid off
●Ensure you have adequate insurance coverage
●Access to an independent expert dedicated to helping you achieve financial success
●On-going advice is available to track and measure your progress through annual reviews

WHAT MAKES FEE-ONLY FINANCIAL PLANNING DIFFERENT?

Fee-only financial planning aims to eliminate the inherent conflict of interest that exists when an advisor is paid on a commission basis to recommend products. As Ayana’s recommendations are not tied to product sales she can provide truly unbiased advice that is aligned with the best interests of her clients. Ayana’s focus is on educating and advising clients on all aspects of their financial affairs so that they can make well-informed decisions. 

WHAT TO EXPECT: 

● Initial consultation to determine your goals and expectations
● Detailed review of your current financial situation
● Identification of any gaps and challenges that could hinder your current plan 
● Written recommendations and an action plan customized to your personal situation
● Assistance with the implementation of any recommendations
● Ongoing review and measurement of your progress


WHAT DO I BRING TO THE FIRST MEETING?

Please see the attached: List of Things to Bring

HOW LONG DOES THE ENGAGEMENT LAST:

Each session will last approximately 60 minutes. You will have one follow up meeting with a basic package and 2 or 3 follow up meetings with the comprehensive planning engagement.

CAN YOU MANAGE MY INVESTMENT PORTFOLIO:

One of our core values is to keep advice separate from financial product sales. As such we do not directly manage portfolios but we work directly with an ETF based portfolio management firm as part of our vetted referral network.

DO YOU OFFER VIRTUAL MEETINGS IF I DON'T LIVE IN THE OTTAWA AREA?

Yes I can hold meetings by phone or video conference.

DO I NEED TO HAVE A MINIMUM ACCOUNT SIZE: 

No.

HOW TO FIND THE BEST FINANCIAL PLANNER:

We have designed a quiz as a guide to help you find the best financial planner for your particular needs. You will learn the difference between fee only, fee-based and commission based financial advisors. Click here for the quiz: How to find the best financial planner for your needs.

WHAT IS THE DIFFERENCE? FINANCIAL PLANNER VS FINANCIAL ADVISOR: 

A financial planner's focus is more on advice and less on the sale of financial products like investments and insurance. A proper financial plan should be in place first before selecting which products are most suitably matched to your wants, needs, and goals.

WHAT DOES A FINANCIAL PLANNER DO?

A financial planner will help you plan for retirement, save tax, budget and save for the long term, make sure your finances are in order, as well as help you map out your ideal scenario. A good financial planner will put your needs first and ahead of theirs.

WHAT DOES IT MEAN TO HAVE A FIDUCIARY WORKING FOR ME?

A fiduciary has a professional obligation to work in your best interest. They can receive no extra benefit or incentive to sell or recommend products to you that are not suitable.

WHAT DESIGNATION SHOULD MY FINANCIAL PLANNER HAVE?

The most recognized financial planning designation in Canada is the Certified Financial Planner (CFP). The requirements to achieve the Certified Financial Planner Designation are as follows:

rigorous education componentpass national certification exams work experience adherence to standards of Professional responsibility 25 hours of annual continuing education



Free Retirement Action Plan Checklist

Retirement Planning Checklist

Free Downloadable Resource:
A step-by-step approach to helping you build a plan for the best possible retirement. Click the button below to download the free:
retirement planning checklist!


Here's How to Proactively Start Planning for Retirement in the Next 5 Minutes...


Retirement Planning Checklist

Free Downloadable PDF Resource:
Most Canadians aren't sure where to start when it comes to planning for retirement. Discover a step-by-step process which cuts through the confusion and helps you start building a clear plan for the retirement you want. Click below to download.


Retirement in View: Contact Form
240 Catherine St
Suite 201
Ottawa ON K2P 3G5
613-416-9593
info@retirementinview.ca

We are centrally located in downtown Ottawa close to
Centretown, The Glebe, and Golden Triangle. Find us on Google!

Thank you! Your request for a consultation has been sent.

Certified Financial Planner and MoneySense financial expert Ayana Forward will be in touch with you shortly to book a time to meetWe are located at 240 Catherine St. Suite #201 Ottawa ON K2P 2G8Please take a moment to learn more about our story here
The goal of the strategy session is to provide you with actionable recommendations and determine how we can help you build a clear plan for retirement. Please feel free to download the list of things to bring worksheet.

Gee-Gees Women's Soccer Scholarship

Certified Financial Planner Ayana Forward is a proud Alumni and former Captain of the Ottawa Gee Gees Women's soccer team.
In 2018 she started a scholarship to be awarded annually to a varsity member of the University of Ottawa women’s soccer program.

SCHOLARSHIP ELIGIBILITY CRITERIA

  • be a Canadian citizen, a permanent resident, a person with the protected/refugee status or an international student;

  • be registered as a full-time student in an undergraduate program at the University of Ottawa;

  • be a varsity student-athlete, as per OUA, RSEQ and USports regulations;

  • be a member of the Gee-Gees women’s soccer team at the University of Ottawa; and

  • demonstrate outstanding potential in their sport.

  • Value of the award: $1,000

APPLICATION PROCEDURE

No application is required; the scholarship is awarded automatically. In the case of multiple candidates meeting the base requirements, the selection committee will select the recipient based on the award policies and standard criteria used by Sports Services at the time of selection.

Retirement in View

Thank you for requesting the Retirement Action Plan Checklist!
Congrats! You have taken the first step in planning the retirement you want!
Here's What Will Happen Next...

Your free download should arrive in your inbox shortly along with a welcome email.

Here's how I can help you create a clear plan for retirement:

Book a Free 1:1 Call With Me
If you have questions about retirement and would like to book a 30-minute introductory phone call with Certified Financial Planner and MoneySense financial expert Ayana Forward please click the link below. I will review your current financial situation, help you get organized and answer any questions or concerns you have about retirement. Select a time from the calendar below.

Financial Planner

Where to find us:
240 Catherine St, Suite 201
Ottawa ON K2P 2G8
613-416-9593
ayana@retirementinview.ca

In addition, I hope you’ll take a moment to “Like” us on Facebook and “Follow” me on Twitter. I use those social media platforms to share our latest content and best content I find online for retirement planning tips and resources.


Canada Retirement Income Calculator

Retirement Income Calculator

Retirement Income Snapshot
A step-by-step calculator shows you how much income you will receive annually through pensions, government benefits and investments. For educational purposes only.

What You Need:
Current IncomeMonthly Pension Income EstimateCurrent Balance Retirement Savings (RRSPs)Current Balance TFSA SavingsMonthly Savings AmountsPlanned Retirement Age


Financial Budget Worksheet

Retirement Planning Budget
An excel spreadsheet that will help you outline your monthly income and expenses for cash flow purposes. For educational purposes only.

Instructions:
Do not enter data into in rows 4 and 5 and column N, they have formulas.Save an extra copy onto your hard drive as a back up incase you overwrite anything.527.5kb


Retirement Savings Calculator

Retirement Savings Calculator
An excel spreadsheet that will estimate how your retirement savings will grow through time. This is a basic compound interest calculator. For educational purposes only. 67.5kb



RRIF Calculator

RRIF Calculator
An online calculator designed to help you estimate your minimum RRIF withdrawals. For educational purposes only.


Complete Guide: How to Choose the Best Financial Planner for You

We have created a comprehensive guide below to help you find a financial planning professional that meets your needs. Here are the top things to consider when hiring a financial advisor:

find a financial advisor guide

Table of Contents:

  1. Understanding Different Types of Financial Planners

  2. What is a financial planner & what does a financial planner do?

  3. How are Financial Planners Paid?

  4. When is the Best Time to See a Financial Planner?

  5. How are Different Financial Advisors Paid?

  6. How to Find a Financial Planner Near You

Understanding the different types of financial planners

Fee Only Financial planners: Focus on goal setting, money management, getting your finances organized, budgeting, tax planning, debt and cash flow planning, tax optimization. Some are also specialists in retirement planning, estate planning, and investments.

Fee Based Financial Advisors: Specialize in portfolio management, investments, wealth management. Some are also specialists in comprehensive financial planning.

Financial Sales Advisors: Product specialists that can help you implement the suggestions made by your financial planner.

What is a financial planner and what does a financial planner do?

The financial planning profession is designed to help you set goals and a course of action to reach those goals in the most wealth efficient manner. An engagement with a financial planner can also help you plan for the unexpected. A professional financial planner will take a comprehensive view of your finances and use their insight and recommendations to help you reach your objectives.

When is the best time to see a financial planner?

While just about everyone can benefit from the financial planning process, here are some life events that might prompt you to hire a financial planner:

  • Retirement

  • Marriage

  • Having Children

  • Separation

  • Divorce

  • Leaving a job

  • Inheritance

  • Disability

Understanding how different financial advisors are paid

Fee Only Financial planners: Hourly, flat fee, fee for service, by the plan or via annual retainer.

Fee Based Financial Advisor: As a % of your investable assets.

Financial Sales Advisor: Salary or paid a commission by a third party.

How to avoid conflicts of interest?

  • Working with someone with a professional designation such as the Certified Financial Planner (CFP) should be prioritized. Professionals who must follow a code of ethics and work as a fiduciaries are your best option in avoiding conflicts of interest.

  • You can eliminate conflicts of interest by working with an independent financial planner who works on a flat fee, fee only or fee for service basis.

  • Always ask for fee transparency so you know who you are paying for and what their responsibilities are.

How to find a financial planner?

For a directory of Certified Financial Planners: FP Canada

How to choose a financial planner?

We have designed a quiz that helps you determine which type of financial planner is best for you. Click below to take the quiz.

find a financial advisor

Below you will find an infographic describing 5 key benefits of working with a fee only financial planner.

Fee only financial planner benefits


Retirement Budget Calculator

Retirement Planning Budget
An excel spreadsheet that will help you outline your monthly income and expenses for cash flow purposes. For educational purposes only.

Instructions:
Do not enter data into in rows 4 and 5 and column N, they have formulas.Save an extra copy onto your hard drive as a back up incase you overwrite anything.527.5kb

Retirement Budget Calculator

Financial Planning Worksheet
Free financial planning spreadsheet in excel. This budget worksheet template and planner is printable and designed to help you manage cash flow. For educational purposes only.

Instructions:
Please view the instructions locate in the first worksheet tab in order to avoid over writing any formulas.Save a copy onto your local drive size 527.5kb

2019 Tax Planning Resources

Tax Planning Resource Bundle
Free Download
We have put together a tax planning bundle designed to help you get organized for tax season

Whats Included
Tax Slip Checklist2019 Tax Season Cheatsheet (deadlines, quick facts and what's new)Capital Gains Calculation WorksheetResource links for rental and small business schedules

2019 Tax Workshops For Seniors

Tax Planning Workshops For New Retirees

When
April 15th - 26th 2019 (By Appointment)

Where
240 Catherine St
Suite 201
Ottawa ON K2P 3G8

Who is it for
New and Pre-retirees in the Ottawa area

What will be covered?
Learn the basics of income splitting, maximizing credits and deductions, avoiding clawbacks and ensuring tax efficiency in retirement. Efiling of your 2018 tax return is optional and included in the cost of the workshop.

What does it cost?
$250 per person/$500 per couple + HST

How does it work?

By appointment only: You will need an appointment in order to access workshops. Schedule today via 613-416-9593 or info@retirementinview.ca


Retirement in View: Client Success Case Study:

Financial Planner Ottawa

Meet Maureen...

Maureen Yates is a busy Realtor in Ottawa and despite her best efforts she had a feeling she wasn’t getting the best financial advice from the advisors she had been working with. She came to us looking for a second opinion and some independent advice regarding her finances.

Here is how we were able to help:

Maureen first admitted to us that she lacked confidence when it came to managing her finances on her own. She felt dependent on the advisors she was working with but wasn't sure if they working in her best interest.

Maureen's main concerns:
"I'm self employed and don't have a pension, how much should I be saving for retirement?""How can I reduce my income taxes?""I've heard good things and am interested in adding ETFs as part of my investment portfolio, but my investment advisor at the bank says I don't have the minimum" "I don't quite understand a permanent insurance product I was sold"


What we uncovered:

Maureen's suspicions about her "advisors" was more than warranted:

She was over sold insurance products that didn't match her needsShe was missing tax deductions that even her accountant missedHer investments weren't structured properly to maximize tax shelteringShe was overpaying for underperforming investments She had no clear plan in place for retirementHer beneficiaries were not set up properly in her Estate Plan

Financial Planning Client

The results of our recommendations:

We put a comprehensive plan in place for Maureen's retirement and she has peace of mind in knowing she is on trackWe improved the tax efficiency of Maureen's investment portfolio by restructuring some of her investments to take advantage of tax sheltered investment plans We recommended she take advantage of some tax deductions that were missed on her most recent tax return We matched Maureen with an ETF portfolio manager saving her hundreds in annual investment management feesMaureen has become more confident in her finances and now knows how to identify advisors she can trust and what red flags to look out for
Key Takeaways:

Always ask for transparency in terms of fees when paying for financial adviceFee-only financial planners are paid directly by you and have no obligation to sell you financial services productsA second opinion can add thousands of dollars to your bottom line in tax savings aloneFee-Only financial advice eliminates conflicts of interest that can arise when an adviser is compensated by selling products

Here's what Maureen had to say about working with us:

"I explain to my real estate clients that: "We can all know a little about a lot of things..."
but when you need specific advice regarding a big purchase like a home,
or an investment plan and strategy, see an "expert".

With Ayana’s help, I feel confident that I'm making the right financial decisions to secure my future.
I can't thank her enough!"

Maureen is a prime example of why we built our business and we are grateful she was open to sharing her story to others who are also feeling intimidated by their finances and are not sure where to go for independent advice.

Schedule a FREE Retirement Planning Strategy Session!