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Retirement & Succession Planning
Planning beyond the next trade
Active income from trading or a business is powerful, but it is not automatically built to last a lifetime or pass smoothly to the next generation. We help clients convert active income into a plan.
What We Help With
- Long term retirement savings strategy built around irregular trading or business income
- Coordination with your investment accounts and Private Banking relationship
- Succession planning alongside our Trusts & Fiduciary Services team
- Periodic reviews as your income and goals change
Why Irregular Income Needs a Different Plan
Most retirement planning frameworks assume a steady salary and a predictable savings rate. Trading income does not work that way, a strong month might generate more than an entire quarter of steady salaried income, followed by a flat or negative stretch. Rather than trying to force trading income into a monthly contribution schedule, we typically work with clients on a percentage of profit approach instead: an agreed share of realized trading profit gets swept into long term savings and investment allocations automatically whenever a payout lands, so the plan scales naturally with how the income actually arrives.