Latest Post in Retirement Planning
Why and When Canadians Retire

“The question isn't at what age I want to retire, it's at what income.” George Foreman

For many individuals, there are...

Read more

Maximizing your Canada Pension Plan Income

Posted 11 May 2017 by Rick Irwin, CFP, CLU

The Canada Pension Plan (CPP) is an important cornerstone in retirement income planning, designed to...

Read More

Start Saving Early

Posted 11 Apr 2017 courtesy of Great-West Life

Starting early is a great way to reach your long-term investment goals with the help...

Read More

More & More Canadians Dipping into RRSPs Early

Posted 28 Mar 2017 by Natalie LeBlanc

The second “R” in RRSP may stand for “Retirement,” but that’s not stopping a whopping...

Read More

How to Optimize your RRSP Contributions

Posted 26 Jan 2017 by Rick Irwin, CFP, CLU

Winter brings many things for Canadians; for winter sports enthusiasts it’s as welcome a season...

Read More

Canadians Top 3 Worries About Retirement

Posted 03 Nov 2016 courtesy of Peter Wouters, Empire Life

What are your top concerns about retiring? Chances are you share those concerns with other...

Read More

Investing in Knowledge: Lifelong Learning Plan

Posted 21 Sep 2016 by Patricia Bell, PFP

An investment in knowledge pays the best interest… At least according to Ben Franklin. Whether...

Read More

Investing Basics for Millenials

Posted 22 Apr 2016 courtesy of Dynamic Mutual Funds

Now that you are starting out in life there are many things to consider. Some,...

Read More

Canadians not saving enough for Retirement

Posted 07 Mar 2016 courtesy of Sandra Boyd, Great-West Life

This week's Monday Muse highlights the unfortunate truth around retirement readiness, or the lack thereof, amongst...

Read More

Transferring Overseas Pensions

Posted 22 Feb 2016 by Lorna Maughan

When moving to Canada from the UK I am sure the last thing on your...

Read More

How NOT to Offset Capital Gains

Posted 22 Feb 2016 courtesy of Tim Cestnick, Dynamic Funds

Capital gains triggered from the sale of non-registered securities like mutual funds or stocks can...

Read More

Scrounging for an RRSP Contribution?

Posted 18 Feb 2016 by Patricia Bell, PFP

The phrase “RRSP season” should be familiar to many of us – the scramble to...

Read More

Defined Benefit vs. Defined Contribution Pensions

Posted 03 Sep 2015 by Melissa Allan

Pensions have traditionally been a common element of many retirement plans, but the type of...

Read More

Piecing Together your Retirement Income

Posted 27 Aug 2015 by Rick Irwin, CFP, CLU

One of the most important jobs of financial advisors is to help clients plan for...

Read More

Old Age Security: Avoiding the Clawback

Posted 27 Aug 2015 by Rick Irwin, CFP, CLU

Just as CPP is an important piece of the retirement income puzzle for most Canadians,...

Read More

CPP: Maximizing your Benefit

Posted 27 Aug 2015 by Rick Irwin, CFP, CLU

There are many misconceptions around the level of income that will be received...

Read More

How Much Will You Spend in Retirement?

Posted 10 Jul 2015 courtesy of Sandra Boyd

Effective financial planning inevitably leads to the construction of a retirement income plan, regardless of...

Read More

New RRIF Withdrawal Rates

Posted 28 May 2015 by Rick Irwin, CFP, CLU

A major change in the Federal budget, and one that has been lobbied for heavily by...

Read More

2015 Federal Budget Changes

Posted 22 Apr 2015 by Rick Irwin, CFP, CLU

Spring budgets often contain numerous goodies for Canadians and this is even truer in election...

Read More

Deciding Where to Live in Retirement

Posted 25 Mar 2015 courtesy of Dynamic Mutual Funds

You may be living in the home where you have lived for many years and...

Read More

RRSP Contribution Calculator

Posted 12 Feb 2015 courtesy of taxservices.ca

RRSP Contribution Calculator 2014 will estimate your RRSP tax savings based on your RRSP contribution...

Read More

New Year's Resolution: Save More!

Posted 30 Dec 2014 courtesy of Dynamic Mutual Funds

Your New Years Resolution is a way to commit to improving your well-being, whether it's...

Read More

TFSA vs. RRSP Part 3: Motivation of deadlines

Posted 16 Dec 2014 by Rick Irwin, CFP, CLU

The final consideration in our series has to do with certain elements of human behavior....

Read More

TFSA vs. RRSP part 2: When is one plan better?

Posted 28 Nov 2014 by Rick Irwin, CFP, CLU

As we've discussed in Part 1, the "better plan" usually depends on your individual situation....

Read More

TFSA vs. RRSP Part 1: Which Plan is Best?

Posted 21 Nov 2014 by Rick Irwin, CFP, CLU

There are many financial decisions before us as Canadians—do we pay down mortgage debt or...

Read More

9 Reasons to Revisit your Retirement Plan

Posted 10 Nov 2014 courtesy of Fidelity Investments

An annual review will keep your retirement plan on track as your financial priorities change...

Read More

First Time Home Buyers' Plan

Posted 30 Oct 2014 by Rick Irwin, CFP, CLU

The first time Home Buyers’ Plan (HBP) is a program where the government allows you...

Read More

A Brief Intro to RRSPs

Posted 15 Oct 2014 by Natalie LeBlanc

Registered Retirement Savings Plans (RRSPs) are usually one of the first methods (besides perhaps pensions)...

Read More

Taxation in Retirement

Posted 06 Oct 2014 courtesy of Invesco

We all know the over-worn adage about the inevitability of death and taxes, but just...

Read More

Getting Financial Advice in Retirement

Posted 15 Sep 2014 courtesy of Fidelity Investments

Financial planning needs vary throughout your lifetime, and the kinds of service you will require...

Read More

The Transition to Retirement

Posted 26 Aug 2014 by Rick Irwin, CFP, CLU

For those about to leave the work force after many years of hard...

Read More

Pension Income Splitting

Posted 24 Jul 2014 courtesy of Invesco

In 2006 the Canadian federal government introduced the ability for seniors to split pension income...

Read More

Changing the RRIF Rules

Posted 09 Jul 2014 by Rick Irwin, CFP, CLU

The C.D. Howe Institute recently released a research paper entitled ‘Outliving Our Savings’ suggesting the...

Read More

Building your Income Plan

Posted 13 Jun 2014 courtesy of Fidelity Investments

Writing your own retirement paycheque takes considerable pre-planning and specialized knowledge. With the help of...

Read More

Changes to OAS Rules

Posted 06 Jun 2014 by Melissa Allan

As you may have heard, recent measures have been taken to ensure the longevity to...

Read More

Pension when leaving a Job

Posted 06 Jun 2014 courtesy of Dynamic Mutual Funds

When you leave one job for another, or even when you retire, there are many...

Read More

RRSPs vs. TFSAs

Posted 06 Jun 2014 courtesy of Dynamic Mutual Funds

In 2009, the federal government introduced the Tax Free Savings Account or TFSA to great...

Read More

Planning Your Retirement Income

Posted 06 Jun 2014 by Rick Irwin, CFP, CLU

Whether retirement is imminent, or still many years away, it's never too early to sit...

Read More

Intro to Retirement Planning

Posted 06 Jun 2014 by Rick Irwin, CFP, CLU

Retirement is something we all look forward to, if not exactly something all of us...

Read More