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Case Studies

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Dave & Judy saw no light at the end of the debt tunnel.

Planning Objectives:

Dave and Judy wanted to secure their future and transition into semi-retirement, but a $150,000 mortgage was obscuring their vision. They were both in their mid-50s and felt like they should be debt-free, given Judy's past health scare that reminded them of life's brevity.

Situation Before Planning:

Projections indicated they could retire comfortably in seven years by working full-time, but they didn't want to carry a $100,000 mortgage into retirement. They were also exhausted from full-time work.


Results Of Planning:

Dave seized a limited opportunity before turning 55 to commute his pension. His 35 years in the public service would yield a maximum pension, not just unreduced. With a $76,000 five-year average salary, his commuted value became $1,439,000. They invested $810,000, paid off their mortgage, and set aside $200,000 for semi-retirement. Though they faced a $275,000 tax bill, having $1,000,000 invested, no debt, and semi-retirement eased their financial concerns.

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Fowler Financial Group Ltd.

5161 Tecumseh Rd. E.
Windsor, ON N8T 1C3

Few people are aware that their pensions can be turned into large lumps sums of capital.
Let's chat about helping you creating more financial flexibility. 

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