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The Bucket Strategy Won’t Prevent Your Portfolio from Running Out of Money in Retirement

Reading Time: 4 minutes I watched a webcast by two financial advisors in Calgary who advertise a lot about being retirement specialists. They explained well why the sequence of returns in retirement causes the risk that we call the retirement red zone. Their solution Read more…

By Robert Hurdman, CFP, 2 monthsMarch 30, 2022 ago
Uncategorized

How to use segregated funds to mimic a family trust

Reading Time: 3 minutes A trust in Canada is a separate legal entity with a defined lifespan of 21 years. The person who creates the trust is the settlor and a trustee manages it on behalf of the beneficiaries. Trusts may be created during Read more…

By Robert Hurdman, CFP, 12 monthsMay 30, 2021 ago
Snowy mountains
Uncategorized

Seven steps you can take now so that the end of your life won’t start a family feud

Reading Time: 4 minutes Nobody likes thinking about the end of their life, and making suitable preparations. If it’s easier, let’s imagine that you are going to the store to for milk when a genie suddenly whisks you away to a tropical island paradise Read more…

By Robert Hurdman, CFP, 12 monthsMay 24, 2021 ago
Chasm waterfall
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How to organize your many sources of income in retirement

Reading Time: 5 minutes During their work life, most people receive a single paycheque from a single source: their employer. When you retire from employment, it becomes your responsibility to replace your earned income. For many people, their income in retirement comes from multiple Read more…

By Robert Hurdman, CFP, 1 yearMarch 30, 2021 ago
Peyto Lake
Uncategorized

Seven ideas you can start using now to protect against paying too much tax in retirement

Reading Time: 5 minutes Canadians pay our fair share of taxes to ensure we have access to social programs and services. But there’s no reason to pay too much tax in retirement. These are seven ways I help my clients to reduce their obligation Read more…

By Robert Hurdman, CFP, 1 yearDecember 26, 2020 ago
Pyramid Mountain and Lake
Uncategorized

Stop relying on risky investment advice meant for savers, and start investing for retirement income

Reading Time: 4 minutes If you have worked with an investment advisor at a bank, a brokerage or an independent firm, you’ve certainly discussed savings, growth and strategic asset allocation. That advice has gotten you where you are. Most investment advice is fine for Read more…

By Robert Hurdman, CFP, 2 yearsOctober 25, 2020 ago
Rocky Mountains
Uncategorized

10 Questions to consider when choosing a financial advisor

Reading Time: 4 minutes When you choose a financial advisor, these are 10 questions that you’ll definitely want to answer so you can proceed with trust and confidence.

By Robert Hurdman, CFP, 2 yearsOctober 10, 2020 ago
Uncategorized

When is the best time to start retirement income from CPP and OAS

Reading Time: 4 minutes When to start CPP and OAS? Government income in retirement is a guaranteed base. It’s a good idea to minimize taxes and maximize flexibility.

By Robert Hurdman, CFP, 2 yearsOctober 6, 2020 ago
Rocky Mountains
Uncategorized

When you near retirement, you need new strategies to avoid the risk of running out of money

Reading Time: 4 minutes The strategies that you used to get to retirement are not the same as the strategies that will provide retirement income from your investments without the fear of running out. Instead of saving and growing, it’s time to focus on income for spending and on ensuring that it’s stable and dependable.

By Robert Hurdman, CFP, 2 yearsFebruary 20, 2020 ago

Mutual funds, and/or exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc. (“Investia”). Mutual funds, exempt market and exchange traded funds products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia.

Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund/exempt market/exchange traded funds products investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund, exempt market product investments and exchange traded funds are not guaranteed, their values change frequently, and their past performance may not be repeated.

Insurances products and services are offered through Hub Financial.

Copyright 2021, Robert Hurdman.

300, 4503 Brisebois Dr. NW
Calgary AB T2L 2G3


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