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Beach Retirement

You’ve saved well, invested wisely and built a sizeable nest egg. Retirement is within your grasp – or so you think. Here are 10 thought-provoking questions to help you determine your readiness to retire (whatever retirement means to you).

1. When do you want to retire? In a year? Six months? At a particular age?

In retirement, you’ll experience a fundamental shift – from saving to spending. The timing of your retirement is crucial to building your retirement nest egg and assessing how long it will need to last.

2. What percentage of your current income do you expect to need in retirement?

The amount of your current income you’ll need in retirement depends on how much you plan to spend in retirement. Plot out your current budget, then create a projected retirement budget and see where the gaps are.

3. How do you plan to spend your money in retirement?

Think about your current spending habits. Are you a penny-pincher or a lover of luxury? These habits will be amplified in retirement, so make sure your savings reflect this. Don’t forget to plan for events that may be out of your control.

4. Have you considered your lifestyle needs in retirement?

Travel lovers, take heed. Your lifestyle needs in retirement play a big part in how you save. For example, buying a condominium and being saddled with condo fees may not be the best idea if you plan on travelling extensively.

5. What guaranteed sources of income can you count on in retirement?

Calculate how much guaranteed income you’ll receive during retirement – such as Canada Pension Plan (CPP), Quebec Pension Plan (QPP), and Old Age Security (OAS) payments. Then, determine how much additional income you’ll need and where this will come from. While investment income is a nice bonus, you shouldn’t rely on it to pay for necessities.

6. Do you plan to work part-time or full-time in retirement?

Perhaps you want to continue using your existing work skills or explore new career opportunities. Debt and family matters may also influence your decision.

7. How do health and wellness factor into your retirement plan?

Retirement is the perfect time to focus on your mental and physical fitness. Leave room in your budget for activities that exercise your mind and body – the good news is that many of them are free!

8. Are you ready for the unexpected events in life?

When you consider retirement planning, make sure to account for unpredictable events – both financial and personal. Check if your retirement savings are strong enough to support you through a future economic downturn, a rise in the cost of living and a long life.

9. How will you keep your money working in retirement?

Think about how you’ll keep your money growing. Talk to a financial security advisor about investment solutions for retirees.

10. Do you plan to leave a legacy?

You might want to leave an inheritance to your family or favourite charity. Once again, your financial security advisor can help you put this in place.

The answers to these questions can help form a dependable roadmap for your retirement. While you can’t predict the future, you can plan for it.

  • Make Your Appointment Today

    Working with an advisor doesn’t have to be intimidating and shouldn’t be. We want to listen to your story and help you create your financial road map. We will keep you accountable and on track so that you can work because you want to, not because you have to.

    340 9th Ave N, Regina, Sk

    306.543.9222






  • Immediate Cash Needs
    Final expenses (to pay for funeral, taxes, etc. ($5,000-$20,000) Read more>>
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    Mortgage (to pay off the outstanding balance) Read more>>
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    Personal loans (to pay off loans, credit cards, etc.) Read more>>
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    Emergency funds (3-6 months’ salary) Read more>>
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    Children’s education fund ($10,000-$25,000 per year, per child) Read more>>
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    Income Replacement
    Emergency funds (3-6 months’ salary) Read more>>
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    For how many years? Read more>>
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    Assets and Insurance
    Savings (savings and investment accounts, RRSPs, TFSAs, etc.) Read more>>
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    Other assets (property, business, vehicles, etc.) Read more>>
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    Existing life insurance (including group plans, individual policies) Read more>>
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    Calculate Results
    Total Cash Needs

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    ADD: Income Replacement Needs

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    SUBTRACT: Assets and Insurance

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    EQUALS: Surplus
    =$0.00


  • Marketing Associate

    Working as veterinarian technologist for 10 years, made me realize that I take great pride in working in a team approach to help others. I’m a very organized person, with strong communication skills. I enjoy meeting people and making sure everyone feels welcome. Family is very important to me, so working at Zaba Financial Group is a great fit for myself and my family.

  • Financial Security Advisor, Vice President​

    I started my career as a financial advisor in 2012 at the age of 23. In January, 2014 I started a 3 year process working towards achieving my C.F.P. (Certified Financial Planner) designation.

    In my previous career I was a golf professional at local Regina clubs. My experience as a golf professional helped me realize my desire and determination to help others. I carry these values into my practice as a financial advisor.

    I also sit on the board of directors in the Regina Rotary Club, part of Rotary International. Our club standard is “Service above Self”. I take great pride in being a member of Rotary because it allows me the opportunity to get involved in the Regina community.

    The aspect that I enjoy most about being a financial advisor is that every client situation, and therefore plan, is unique. I have the pleasure of listening and understanding my clients’ goals and values and become a part of their financial success.

  • Financial Security Advisor, Vice President​ CHS

    I started my career as a Financial Security Advisor in 2007 at the age of 22. I currently hold a CHS designation (Certified Health Insurance Specialist) and I’m near completion of the CFP designation (Certified Financial Planner). I will continue to educate myself to better serve my current and future clients.

    I have the privilege of enjoying my life with my wife Christina and our two children Ashton and Brooklyn. I take pride in being able to participate as a coach for their respective soccer teams as I’m needed.

    I’m a board member of the South Saskatchewan Advocis chapter. Advocis is our national association for financial advisors in Canada. Through Advocis, I have the privilege of being the chair for the 65 Roses Golf Tournament benefiting the Cystic Fibrosis Foundation. Since golf is a passion of mine, I feel this is a natural fit for me to contribute to a great cause.

    What I enjoy most about being a Financial Security Advisor is helping to bring peace of mind to my clients and their families through risk management.

  • Brian Zaba: Certified Financial Planner, President​ ​B. Admin, CLU, CFP, CH.FC.

    I graduated from the University of Regina with a degree in Business Administration in December of 1986. Shortly after graduation I joined the financial industry in February, 1987. Since then I have obtained several designations including, Chartered Life Underwriter, Certified Financial Planner, and Chartered Financial Consultant.

    I am a member of Advocis, our national association for financial advisors in Canada. I have served in various roles in Advocis including President.

    On a personal note I am married to Donna Zaba. She is an oncologist nurse at the Allan Blair clinic. We have three sons Andrew, Mitchell, and Tyler. Tyler is married to Christina, and together they have a son and daughter Ashton and Brooklyn. As the boys were growing up I enjoyed coaching them in hockey, baseball, and soccer. In their teens our summers were spent touring the province to various golf tournaments. Golf has now become a staple in our family recreation.

    What I enjoy most about being a financial security advisor is helping my clients achieve their financial goals by effective wealth management.