Resource Library

RRIF Minimum Withdrawals in Canada

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Ten Key Considerations When Choosing a Financial Advisor

As you approach the significant milestone of retirement, you will benefit from careful planning and expert guidance. Working with the right financial advisor will help ensure that you navigate this tr...

Company One-Pager

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Carrying a Small Mortgage or Line of Credit Into Retirement Isn't Always a Failure of Planning

The traditional rule for retirement is to enter it debt-free. However, for a growing number of Canadians, carrying a managed debt load into their post-work years is a deliberate strategy. The client w...

Still Working at 60? What Happens If You Start Your CPP Early

During a recent meeting, a client asked me a question I hear often: “What happens if I start my Canada Pension Plan (CPP) but keep working?”

It’s a smart question. The decision isn't as simple as it...

How Much do I Need to Retire?

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All About the Registered Disability Savings Plan (RDSP)

The Registered Disability Savings Plan (RDSP) is a government-assisted savings plan designed to help people with disabilities in Canada and their families to save for their long-term financial needs....

Retirement is the Time to Review and Adjust Your Investment Mix

In retirement, your investment mix becomes more important than ever. When you start spending income from your portfolio, how long your investments last will depend on asset allocation and asset locati...

Guaranteed Income Solutions that Contribute to a Secure Retirement

In the realm of financial planning, the fear of running out of money in retirement is a pervasive worry that can cast a shadow on your dreams. In this article, we will introduce various types of guara...

Reducing Taxes Through Income Splitting

Effective tax planning in retirement can help you keep more of your hard-earned savings. By organizing assets before retirement and income sources during retirement, you can minimize taxes and optimiz...

Optimizing Withdrawals for Tax Efficiency in Retirement

When it comes to retirement planning, one of the most important considerations is how to strategically withdraw from your various investment accounts. The order in which you draw income from your inve...

Tax Changes at Retirement

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Shielding Your Home Against Title Fraud

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The Impact of Various Beneficiary Designations on Your Estate

You’ve worked hard to build your savings in your TFSA and RRSP. You’ve likely even taken the important step of creating a will. You might feel your estate plan is complete. But what if a simple, often...

The Pitfalls of Joint Bank Accounts in Estate Planning

Do you hold a joint bank account with a parent? This is a common practice, often suggested to facilitate managing their money in times of incapacity or death. While this approach is convenient, these...