Buxton Financial For Retirement

05/30/2026

“Reflect” is the third and final phase of retirement. This is when you may need some assistance. It could be simple smaller things or full time nursing care. It is important to keep living your life in this stage and overcome the challenges you are able to in order to keep the best quality of life.

This lasts roughly 5 years but can vary. Spending during this phase may increase substantially. This is the phase where you often need much more support. You may need to look at bringing support into your home or look at options to move into a residence that suits your individual needs.

Medical expenses can escalate quickly during this phase. It is usually difficult in this phase to get any of your important documents in place or make changes in your financial structure. Health often deteriorates so not much can be changed at this point. Plan ahead! There are many risks to manage in retirement.

Most people focus on investment risk and longevity risk. However, health cost risk is something to be very mindful of. It can impact your finances significantly. Health risk management is designed to protect income and assets and preserve dignity and lifestyle. You need to know, you will be ok financially no matter what happens. You will not be a burden on your family and your estate planning objectives will be solid.

You must always be comfortable with your financial decisions and know that your advisor is really listening to you. Buxton Financial For Retirement provides a customized approach because needs are often different.

Learn more about how Buxton Financial For Retirement plans for all 3 phases of retirement, visit www.buxtonfinancial.ca

05/26/2026

Stop matching your pension to your bills. That's not how retirement income works.

You could have five or more income sources in retirement. Instead of sorting them into "needs" and "wants," ask one question: what life do you want, and what does it cost?

Have you actually priced out the retirement life you want?

05/19/2026

The best retirement plans don't pick between stability and growth. They use both.

CPP, OAS, and pensions give you a base you never have to worry about. Market investments give you room to grow and keep up with inflation.

Which side is your plan leaning too heavily on?

05/14/2026

05/14/2026

Fresh look. Better navigation. Same trusted guidance. Say hello to the new buxtonfinancial.ca, designed to help you plan smarter and feel more in control of your financial future.

We encourage you take a look and let us know what you think. Visit us at https://buxtonfinancial.ca/

05/12/2026

A risky retirement strategy isn't always obvious. Sometimes it looks like saving money.

Paying off your mortgage before retiring, avoiding all debt, chasing OAS - these feel smart.

But if they cost you more somewhere else, you're stepping over dollars to pick up dimes.

What "safe" move might actually be costing you?

05/08/2026

A well‑designed retirement plan does more than protect your future, it opens the door to a life filled with meaning, connection, and fun.

At Buxton Financial For Retirement, we take the time to understand what your ideal retirement looks like, then craft a strategy that supports both your needs and your dreams.

Your next chapter should be lived fully. We’ll help you get there. Visit us at www.buxtonfinancial.ca

05/05/2026

Your retirement plan doesn't need to be perfect. Until it does.

When retirement is down the road, "you're on track" is plenty. But the moment you're choosing what to draw down and when, good enough stops cutting it.

How far out are you from making those big calls?

04/30/2026

We’ve been busy behind the scenes, and today we’re excited to share the results. Our newly redesigned website is now live at - https://buxtonfinancial.ca

It’s built to help you find the information, tools, and support you need to feel confident about your financial path. Come explore the new experience!

04/25/2026

Relax is what we call Middle Retirement.

“Relax” is the second phase of retirement. Many people slow down during this phase, and spend more time with family and friends. Travel typically slows down in this phase. It is important in this phase to make sure your finances are set up in a way to simplify your estate and minimize taxes.

Life slows down a bit. This phase lasts about 20 years. Perhaps you are now spending more time with family and have done a lot of those things you had always wanted to do. It is a comfortable time period where you develop your own routines and spending often declines here.

Many people downsize during these years. In this phase, you very likely start needing more support. Whether it’s help around the house, medical care needs or simply a family member helping you out once in a while. You will likely encounter at least one of these during this phase. Even with the added help, your income needs are usually relatively lower because your lifestyle expenses have reduced.

It is important in this phase to make sure your finances are set up in a way to simplify your estate. You want to make sure your financial structure is the best to minimize taxes and allow for your estate to do the things you want done. Also, be sure to keep communicating with your family members to make sure they know your preferences for care now or in the future. Make sure to have all your important documents in one place to easily access when needed.

Learn more about how Buxton Financial For Retirement plans for all 3 phases of retirement, visit www.buxtonfinancial.ca