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 financesYou will learn the best ways to maximize income in retirementWe provide actionable strategies to help you build and maintain wealth You will learn how to proactively approach tax planning in retirement
Here’s What Some of Our Happy Clients Have to Say:
“I got so much value from our meetings, I’m so glad we did this” Joann M., Ottawa
“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
"Retirement in View put it all in perspective and helped us pin point what really matters to us. And then our planner provided us with the tools and guidance to put our plan in action. She was so thorough and honest and it all came together so efficiently.” Nicole K., Ottawa
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 hillTravelling to the exotic destinationsPrecious moments with family and friendsLearning new skills and pursuing your side projectsOr 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:
Schedule a FREE Retirement Planning Strategy Session!
Let’s Talk, book a consultation today!
We'll discuss how best to organize your finances as you approach retirementDetermine if you are on track for the retirement you wantHelp you identify any missed opportunities to reduce tax or increase wealth
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.
How to Schedule a Consultation
① Schedule Online:
② Schedule by Email: firstname.lastname@example.org
③ Schedule by Phone: 613-416-9593
Our financial advice has been featured in:
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 Strategy Session today!
About Retirement in View
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.
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 retirement vision: 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.
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 friendly, professional advice in an atmosphere free of sales pressure
Getting started is easy with a FREE Retirement Planning Strategy Session!
HOW WE HELP - OUR MOST POPULAR SERVICES:
Retirement Planning Services:
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 retirementHelp comparing pension options
Comprehensive Financial Planning Services:
Cash flow and net worth projectionsFamily financial check-up Education savings planning and projectionsInsurance needs analysis"Are you on track?"
Tax Planning Services:
Optimized income splitting for new retireesTax efficient withdrawal strategies for RRSPs and RRIFsRental PropertiesSmall Business
Investment Portfolio Advice:
Guidance regarding appropriate asset allocationTax location advice for investment portfoliosSecond opinion of current portfolio Fee comparison calculationsHelp with implementation of an ETF portfolio
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 meeting is complimentary
Fee Only Financial Planner Ottawa
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 (basic) to $2,500 (comprehensive). 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:
The first session is free.
WHERE ARE YOU LOCATED?
We are located centrally in Ottawa.
240 Catherine St.
Ottawa ON K2P 2G8
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:
Free Retirement Action Plan Checklist
Free Downloadable Resource:
A step-by-step approach to help build a plan for your
best possible retirement. Click the button below to download: retirement planning checklist!
Schedule a FREE Retirement Planning Strategy Session!
Retirement in View: Contact Form
240 Catherine St
Ottawa ON K2P 3G5
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.
Thank you! Your request for the retirement planning checklist has been sent.
You will receive your Step-By-Step Retirement Action Plan Checklist in your email inbox shortly.
If you would like help implementing your checklist or want to work with a Certified Financial Planner on an advice only basis please feel free to schedule an initial consultation below.
Canada 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
Retirement Planning Budget
An excel spreadsheet that will help you outline your monthly income and expenses for cash flow purposes. For educational purposes only.
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 in View: Client Success Case Study:
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
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
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!