If you’re a career professional or business owner, you’ve likely been investing for years—whether through your bank, workplace plan, or a DIY platform. But here’s the question we often ask new clients:
Is your money truly working for you—or just sitting still?
At RetireSURE, we work with clients who’ve built wealth—but now need a smarter, more personalized plan to grow and protect it. Q2 is the perfect time for a mid-year financial reset. Here are five moves that can realign your wealth with your goals.
1. Reassess Your Investment Strategy
If your portfolio hasn’t changed much in the last year—or if you’re unsure what fees you’re paying—it’s time for a deeper review. Many investors at big banks are placed into generic funds with little active planning. We focus on aligning your investment mix with your risk tolerance, tax situation, and long-term lifestyle goals.
2. Refocus Your Cash Flow
Your income should support more than just your expenses. We help you redirect surplus cash toward wealth-building strategies—like strategic savings, tax-efficient investments, and even insurance solutions that support your retirement income.
3. Optimize for Tax Efficiency
Smart tax planning doesn’t happen in April—it starts now. Whether it’s maximizing your TFSA, contributing to a corporate investment account, or contributing to an RRSP for tax deductions, we help ensure more of your returns stay with you.
4. Consolidate and Coordinate
If your accounts are scattered across banks and platforms, you’re likely missing opportunities and duplicating costs. A unified financial plan brings clarity, simplifies tracking, and improves overall performance.
5. Plan for Year-End Early
Many of the best tax strategies and income planning tools are only effective when planned in advance. Mid-year is the time to review what’s working—and what needs adjusting—so you can finish the year strong.
Let’s Talk Strategy—Not Sales
At RetireSURE, we offer independent, personalized financial advice that’s built around you—not bank products. If your current advisor isn’t proactive, or your plan feels outdated, let’s have a conversation.
Mid-Year Portfolio & Risk Health Check
Markets shift, and so should your risk exposure. At mid-year, do more than glance—it’s time for a serious portfolio health audit that ensures alignment with both your goals and risk tolerance.
