All Financial Planning Resources

Carrying a Small Mortgage or Line of Credit Into Retirement Isn't Always a Failure of Planning

A senior couple working with laptops and paper notebooks

The traditional rule for retirement is to enter it debt-free. However, for a growing number of Canadians, carrying a managed debt load into their post-work years is a deliberate strategy. The client w...

Still Working at 60? What Happens If You Start Your CPP Early

people with grey hair working around a conference table

During a recent meeting, a client asked me a question I hear often: “What happens if I start my Canada Pension Plan (CPP) but keep working?”

It’s a smart question. The decision isn't as simple as it...

How Much do I Need to Retire?

infographic about tax changes at retirement

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Where Will My Retirement Income Come From?

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Planning for retirement means understanding your sources of income and organizing them strategically for maximum stability. Your retirement income will typically come from a combination of government...

Getting Ready to Retire

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When Should You Start Collecting CPP and OAS?

Canada Pension Plan (CPP) and Old Age Security (OAS) are government programs that provide retirement income to Canadians. CPP is a pension that is funded by employers and employees and the amount you...

Consider the Enduring Value of RRSPs and TFSAs in Retirement

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Every January, we see reminders to invest in a Registered Retirement Savings Plan (RRSP) or Tax-Free Savings Account (TFSA). As you get closer to retirement, you might wonder: “Does investing in an RR...

Retirement's Balancing Act: Withdrawal Strategies for a Lifetime of Income

The transition to retirement is a pivotal phase in your financial journey, marking the shift from accumulating wealth to the crucial decisions around drawing income from your investments. This moment...

Retirement Strategies for Sustained Income and Peace of Mind

Retirement is the reward for a lifetime of hard work and careful planning. It's a time when you should be able to relax, explore new passions, and cherish the moments that truly matter. Just like any...