All Resources by Robert Hurdman

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...

Shielding Your Home Against Title Fraud

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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...

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...

How Much do I Need to Retire?

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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...

Where Will My Retirement Income Come From?

Planning for retirement means understanding your sources of income and organizing them strategically for maximum stability. Your retirement income will typically come from a combination of government...

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...

Getting Ready 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....

When Should You Start Collecting CPP and OAS?

Canada Pension Plan (CPP) and Old Age Security (OAS) are government programs that provide retirement income to Canadians. CPP is a pension that is funded by employers and employees and the amount you...

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...

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...

Tax Changes at Retirement

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Consider the Enduring Value of RRSPs and TFSAs in Retirement

Every January, we see reminders to invest in a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA). As you get closer to retirement, you might wonder: “Does investing in an RR...

How You Can Use Segregated Funds to Mimic a Family Trust

As you look to achieve peace of mind and minimize financial worries, you will want to consider how to control your assets after your life, in order to provide a secure future for the people you care a...

Retirement's Balancing Act: Withdrawal Strategies for a Lifetime of Income

The transition to retirement is a pivotal phase in your financial journey, marking the shift from accumulating wealth to the crucial decisions around drawing income from your investments. This moment...

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...

Seven Estate Planning Steps to Ensure a Smooth Transition for Your Family

Estate planning, often seen as a complex puzzle, is your way of ensuring your loved ones are financially secure long after you're gone. We will guide you through the essential steps, from evaluating y...

Retirement Strategies for Sustained Income and Peace of Mind

Retirement is the reward for a lifetime of hard work and careful planning. It's a time when you should be able to relax, explore new passions, and cherish the moments that truly matter. Just like any...

Essential Tax-Saving Strategies for a Lasting Retirement

For you to draw a consistent paycheque from your investments, your financial plan needs to address investment management, a withdrawal plan, government benefits, and your estate. Taxation impacts each...

All About the First Home Savings Account (FHSA)

The First-Time Home Buyer Savings Account, or FHSA, is a new registered savings account that is offered by Canadian financial institutions based on the government program to help first-time home buyer...