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Investment Planning
What Is Sequence of Returns Risk — And Why It Can Derail Your Retirement
A market crash early in retirement can permanently damage your portfolio even if long-term returns are fine. Learn what sequence of returns risk is and how to protect against it.
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Planning Fundamentals
How Much Do You Actually Need to Retire in Canada?
The answer isn’t $1 million. It depends on your spending, income sources, and retirement timeline. Here’s how to…
CPP
Is It Worth Deferring CPP to Age 70?
Waiting until 70 to collect CPP increases your benefit by 42%. But is it worth it? Here’s the…
Income Planning
How to Create a Retirement Paycheque from Your Investments
Retiring without a pension means building your own paycheque. Learn how to turn RRSP, TFSA, and non-registered savings…
Pensions
What Is a LIRA — And What Are Your Options at Retirement?
A LIRA locks in pension money when you leave an employer. Learn what a LIRA is, how it…
Tax Strategy
TFSA vs. RRSP in Retirement: Which Should You Draw From First?
Drawing from the wrong account first can cost you thousands in taxes. Learn how to sequence TFSA and…
OAS
How OAS Clawback Works — And How to Avoid It
High retirement income can trigger the OAS clawback — a tax that reduces your monthly benefit. Learn how…
Estate Planning
What It Really Means to Go on Title for a Family Member in Canada
Going on title to help a child or family member qualify for a mortgage seems simple. The tax…
RRSP & RRIF
What Happens to Your RRSP at Age 71?
Your RRSP must close by December 31 of the year you turn 71. Here’s what your three options…
Pensions
What OMERS Members Need to Know Before Retiring
Should you take CPP at 60, 65, or 70? Learn the break-even math, key factors, and how to…