Seun Adeyemi, CFP®
About the author

Seun Adeyemi, CFP®, CKA®

Certified Financial Planner · 17+ years in Canadian retirement planning

Seun Adeyemi, CFP®, CKA®, is a Certified Financial Planner with more than 17 years of experience in Canadian financial planning. His work focuses on retirement income for Canadians approaching retirement: CPP and OAS timing, defined benefit pensions, RRSP and RRIF drawdown, and tax and estate planning. He writes Ask a CFP to give Canadians clear, plain-language answers to the retirement questions they ask most.

Articles by Seun Adeyemi

16 articles
Should You Pay Off Your Mortgage Before You Retire?
Planning Fundamentals

Should You Pay Off Your Mortgage Before You Retire?

Carrying a mortgage into retirement adds risk to your income plan. Here’s how to think through the math,…
Oct 15, 2026Read →
What Happens to Your RRSP and RRIF When You Die?
Estate Planning

What Happens to Your RRSP and RRIF When You Die?

Your RRSP or RRIF doesn’t disappear when you die — but what happens next depends entirely on how…
Oct 1, 2026Read →
Pension Income Splitting in Canada: What It Is and How to Use It
Tax Strategy

Pension Income Splitting in Canada: What It Is and How to Use It

Pension income splitting lets you shift up to 50% of eligible income to a lower-income spouse, reducing your…
Sep 17, 2026Read →
RRIF Minimum Withdrawals Explained: Rules, Rates, and Tax Impact
RRSP & RRIF

RRIF Minimum Withdrawals Explained: Rules, Rates, and Tax Impact

Once your RRSP converts to a RRIF, annual minimum withdrawals are mandatory. Learn the rates by age, how…
Sep 3, 2026Read →
How a Defined Benefit Pension Affects Your CPP and OAS Strategy
Pensions

How a Defined Benefit Pension Affects Your CPP and OAS Strategy

A defined benefit pension changes everything about when to start CPP and OAS. Learn how guaranteed pension income…
Aug 20, 2026Read →
What Is Sequence of Returns Risk — And Why It Can Derail Your Retirement
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…
Aug 6, 2026Read →
How Much Do You Actually Need to Retire in Canada?
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…
Jul 23, 2026Read →
Is It Worth Deferring CPP to Age 70?
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…
Jul 9, 2026Read →
How to Create a Retirement Paycheque from Your Investments
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…
Jun 25, 2026Read →
What Is a LIRA — And What Are Your Options at Retirement?
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…
Jun 11, 2026Read →
TFSA vs. RRSP in Retirement: Which Should You Draw From First?
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…
May 28, 2026Read →
How OAS Clawback Works — And How to Avoid It
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…
May 14, 2026Read →
What Is Sequence of Returns Risk — And Why It Can Derail Your Retirement
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…
May 8, 2026Read →
What Happens to Your RRSP at Age 71?
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…
Apr 30, 2026Read →
What OMERS Members Need to Know Before Retiring
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…
Apr 18, 2026Read →
When Should You Start CPP? The Complete Canadian Guide
CPP

When Should You Start CPP? The Complete Canadian Guide

Should you take CPP at 60, 65, or 70? Learn the break-even math, key factors, and how to…
Apr 16, 2026Read →