Latest Post in Retirement Planning
Using a Cash Wedge to Manage your Income

When markets are fluctuating, it makes a big difference to your long-term plan whether you’re adding or withdrawing funds from your portfolio. As Lorna discussed...

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How Inflation Affects Your Retirement

Posted 03 Apr 2019 by Natalie LeBlanc

You’ve certainly noticed groceries don’t cost what they used to. Neither did your house, or...

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When do I have to close my RRSP?

Posted 02 Aug 2018 by Patricia Bell, PFP

There’s always a lot of discussion around when is the right time to take funds...

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Why and When Canadians Retire

Posted 19 Jul 2017 by Rick Irwin, CFP, CLU

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

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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...

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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...

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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...

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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...

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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...

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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...

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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,...

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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...

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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...

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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...

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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...

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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...

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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...

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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,...

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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...

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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...

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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...

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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...

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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...

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RRSP Contribution Calculator

Posted 12 Feb 2015 courtesy of

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

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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...

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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....

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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....

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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...

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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...

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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...

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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)...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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Posted 06 Jun 2014 courtesy of Dynamic Mutual Funds

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

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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...

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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...

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