1/6 Retirement on your mind? Here are the 5 things you need to look at when you are planning out your retirement. #FinancialPlanning #RetirementTips

A large RRSP isn’t necessarily a problem. The real question is whether you have enough time and a clear strategy to draw it down tax-efficiently in retirement.

What do retirees wish they had done differently in their first few years? Peter and Mathieu share a few of the biggest lessons we see come up again and again. youtube.com/watch?v=53YlFG1b…

Should couples retire at the same time? Maybe not. Going from two separate work routines to suddenly spending every day together can be a bigger adjustment than expected. Sometimes staggering retirement by even a few months can make the transition much smoother.

Episode 55 of Retirement Unpacked is out tomorrow at 6AM PST! Insights on RRSP deductions, HELOCs before retirement, RRIF-to-TFSA strategies, and a planning case that created roughly $50,000 in tax savings. Don't miss it! linktr.ee/retirement_unpacke…

A good retirement plan shouldn’t only work when everything goes right. Stress testing for things like lower returns, higher inflation, or the loss of a spouse can help show how resilient your plan really is.

Still working full time? You can take CPP and OAS, but that doesn’t always mean you should. Gord and Michael break down the tax impact and when delaying benefits may make more sense on the new episode of the podcast, out now. linktr.ee/retirement_unpacke…

EPISODE 50 OUT NOW! This week on Retirement Unpacked: • OAS clawback strategies • Health coverage in retirement • RRSP to RRIF decisions • Planning with two pensions • DIY retirement planning software

A cash wedge isn’t meant to be burned through once. In strong markets, you may replenish it. In down markets, it gives your equities time to recover. Watch the full video: youtube.com/watch?v=UYunbvcn…

New Q&A video is out now. We cover account consolidation risk, RRSP meltdown confusion, RIFF withholding tax, OAS clawback, blended-family estate planning, CPP delay, TFSA flexibility, advisor conflicts, and more. Watch the full Q&A on YouTube: youtu.be/x5MdZKx1oXg

Episode 47 of Retirement Unpacked is out now. Brett and Matthew cover joint accounts, downsizing, renting, LIRA unlocking, and tax planning. Later, Gord joins to discuss planning 10+ years from retirement. Watch or listen: linktr.ee/retirement_unpacke…

Taking CPP at 60 and investing it sounds simple, but the math is harder than most people think. Even with PRBs, you may need a very high long-term return just to match the benefit of waiting. Watch the full discussion on YouTube: youtube.com/watch?v=yJiaa0wV…

Episode 46 of Retirement Unpacked is out now. This week, we’re talking CPP timing, including the question many Canadians have: what happens if you delay CPP to 70, but never get there? Watch or listen now: youtu.be/45JpQcddkIc

Carrying a mortgage into retirement isn’t automatically a bad decision. If your pension and cash flow can comfortably cover the payments, keeping more money available for travel, renovations or other goals may offer greater flexibility than paying it off all at once.

Saturdays mean a new episode of Retirement Unpacked. Tune in wherever you get your podcasts!

Taking extra from your RRIF can be more than spending. It can create flexibility, reduce future tax issues, and improve your estate plan. Watch the clip to learn more 👉 youtube.com/watch?v=ToNvICTU…

Don’t miss episode 44 of Retirement Unpacked. Matthew and Gord cover cashflow wedges, LIRA unlocking, GIS planning, and non-registered account taxes. Later, Adam and Martin discuss shifting from wealth building to wealth distribution.

Delaying CPP usually gives a larger annual increase than delaying OAS. But the best decision is not just about the percentage increase. It depends on your cash flow, assets, taxes, and what helps you sleep at night.

Retiring early? Here’s how it can affect CPP 👇 youtube.com/watch?v=DK2wRgqS…

Episode 42 of Retirement Unpacked is out now! Head over to YouTube, Spotify, or Apple Podcasts for more on these topics: - Conservative planning assumptions - CPP timing - Age-gap retirement planning - Non-registered account taxes - And more... linktr.ee/retirement_unpacke…

A bad retirement tax plan often looks like a roller coaster. Zero-tax years early, big taxable withdrawals later, CPP/OAS decisions made in isolation, and RRSPs left untouched until 71. The smoother your taxable income is over time, the more efficient your plan may be.