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Retirement Planning
Retirement Planning
Plan Today for a Retirement You Can Feel Confident About.
Retirement looks different for everyone—whether you imagine travel, time with family, a second career, or simply more flexibility. At Vaughan Credit Union, we help you turn that picture into a practical, numbers-backed plan that can support your lifestyle for the long term.
Our retirement planning approach brings together RRSPs, TFSAs, pensions, workplace plans, CPP/OAS, and other income sources into one clear roadmap. We help you understand how much you may need, how much you’re on track to have, and what adjustments can help close the gap before and after retirement.
- Goal-based planning for the retirement lifestyle you want
- Strategies to save and invest tax-efficiently as a Canadian
- Support with turning savings into sustainable retirement income
Why Vaughan CU
Retirement Planning with Clarity, Not Guesswork
Holistic Retirement View
We look at all your sources of retirement income—savings, pensions, CPP/OAS, investments, and debt—to build a complete picture, not just one account.
Clear, Jargon-Free Advice
We explain contribution room, tax implications, and withdrawal strategies in plain language, so you can make informed decisions with confidence.
Flexible Strategies
Whether you plan to fully retire, semi-retire, or change careers later in life, we adjust your plan to match how you actually want to live.
Member-First Focus
As a credit union, our focus is on long-term member well-being, helping you build a retirement plan that feels both realistic and reassuring.
Our Process
How We Build Your Retirement Roadmap
Step
Clarify Your
Retirement Vision
We start by understanding when you’d like to retire, what you want retirement to look like, and what kind of income you think you’ll need to feel comfortable.
Step
Analyze Where
You Are Today
We review your savings, investments, pensions, government benefits, and any outstanding debt to see how close you are to your retirement goals.
Step
Build & Adjust
Your Retirement Plan
We create a tailored retirement strategy, including savings plans, investment approaches, and eventual withdrawal strategies—then revisit it regularly as life changes.
Retirement Planning
Accounts, Strategies & How to Get Started
Key Accounts & Tools
- Registered Retirement Savings Plans (RRSP)
- Tax-Free Savings Accounts (TFSA)
- Registered Retirement Income Funds (RRIF)
- Guaranteed Investment Certificates (GICs)
- Managed portfolios and investment funds
- High-interest savings and short-term cash solutions
Planning Strategies
- Calculating how much you may need for retirement
- Building a savings and investment roadmap to get there
- Coordinating CPP/OAS with other income sources
- Tax-efficient withdrawal strategies (where appropriate)
- Planning for inflation, longevity, and healthcare costs
- Aligning retirement planning with estate and legacy goals
Who It’s For & Getting Started
- Members just starting to save for retirement
- Mid-career members building momentum in their savings
- Pre-retirees within 10–15 years of retirement
- New retirees who need a withdrawal strategy
- Available to Vaughan Credit Union members across Canada
- Initial meeting focused on understanding your goals and current position
Start Now
Build a Retirement Plan with Vaughan Credit Union
Whether retirement is decades away or just around the corner, it’s never too early—or too late—to create a clear plan. Vaughan CU’s retirement planning team can help you understand where you are, where you want to be, and the steps to help you get there with confidence.
Schedule a Retirement Planning AppointmentTestimonials
What Our Members Say
Real stories from members who’ve trusted Vaughan Credit Union with their everyday banking and long-term goals.
Sarah Thompson
Customer Since 2012“Vaughan Credit Union helped me save for my first home and walked me through every step of the mortgage process. I never feel like just a number here.”
Daniel Rivera
Small Business Owner“The team at Vaughan CU understood my business and approved the financing I needed to grow. It feels like having a financial partner, not just a bank.”