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Case Study
Sandra is 49 and Ryan is 26.
Sandra, a single parent, lives with her elderly parents and her son who has social anxiety. Sandra is also on disability since she developed a loss in her motor skills.
Calgary, Alberta, Canada
Image for Illustration only, not actual client.
Sandra had to retire from her job since she could not move. Her older parents are retired and live on a small pension. Ryan does not work and is not comfortable going outside of home. He does not like to meet other people.
Sandra is receiving CPP disability benefits and is getting a tax-free monthly disability payment from her government employer. She already has a Registered Disability Savings Plan (RDSP), TFSA and RRSP account opened. Her home is mortgage-free, even though she owes a little bit of money to her mother.
Sandra wants to make sure her retirement income is protected once her government pension starts at age 60 and the CPP disability stops at age 65.