Heart of Your Retirement

🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/05/04/how-the-oas-clawback-works-in-canada  Most Canadians don't see the OAS clawback coming because no single income source looks like the problem on its own. In this episode, Zena Amundsen CFP breaks down exactly how the OAS clawback works in Canada, which income sources count toward the threshold and the five timing strategies that can reduce the impact before it happens. You'll learn how the income stacking effect works, why world income including US Social Security counts toward the clawback, how the 15% formula is calculated and why TFSA withdrawals are one of the cleanest retirement income tools available. If you are within 10 years of retirement or already drawing from multiple income sources, this episode will help you understand how your income is structured and what to plan for. 📅 Book a complimentary introductory call with the Astra Financial team: https://astrafinancial.ca/get-informed-astra-financial-consultancy-services/

🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/04/13/canadian-retirement-tax-questions/ A tax expert answers the most Googled retirement tax questions Canadians are asking right now. In this episode of Heart of Your Money, Zena Amundsen CFP and Nicole Putz CFP sit down with tax expert Rick Soparlo to break down real retirement tax strategies for Canadians, including how to structure your income for tax efficiency, how pension income splitting works between spouses, why Canada's graduated tax brackets mean a raise never hurts you, what happens to your RIF when you pass away (and why it could cost your family nearly half your savings) and practical draw-down strategies to keep more of your money in the family. Whether you're already retired or getting close, this conversation covers the tax planning fundamentals every Canadian should understand before filing their next return.

🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/03/16/financial-advice-on-social-media/ Your social media feed is full of financial "experts" telling you to take CPP at 60, refinance your real estate for free money and get out of your RSPs. And it's getting into people's heads. In this episode of Heart of Your Retirement, Zena Amundsen CFP and Nicole Putz CFP react to the exact posts making the rounds right now and break down what's actually going on behind the viral financial advice on social media. From the CPP at 60 debate to the Smith Maneuver "loophole" to the RSPs are bad trend, they cover the three biggest myths circulating online right now and what Canadian retirement planning actually looks like when you know someone's full financial picture. If your gut has been flipping when you scroll your feed, this one is worth your time. ⏰ TIMESTAMPS: 00:44 CPP Clip Reaction 02:03 Why CPP Advice Misleads 04:40 Inflation and Peak Earnings 07:43 When CPP at 60 Works 08:45 Real Estate Loophole Hype 12:20 Refinancing and Leverage Risks 14:50 RRSPs Are Not the Villain Fair Use Disclaimer: This video contains clips from social media platforms that were originally posted publicly. Under Section 107 of the Copyright Act of 1976, allowance is made for fair use for purposes such as criticism, comment, and education. All commentary in this video is stated as a matter of opinion. All opinions are our own.

🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/02/16/should-i-transfer-my-pension/  🔗 Learn more about the Heart of Your Retirement course: https://astrauniversity.ca/heart-of-your-retirement/ Should you transfer your pension at retirement? It depends on 5 key factors. In this episode, Canadian CFPs Zena Amundsen and Nicole Putz break down the exact framework they use with clients to make this pension transfer decision, including real scenarios where they told clients to LEAVE their pension alone and others where they recommended transferring it. In this episode, we cover: The 5 factors that determine whether to move your pension or leave it Real client case study: When we said "keep it where it is" Real client case study: When coordination became critical The pension split strategy for people under 72 (most people don't know this exists) Sequence of returns risk and why timing matters as much as returns The general contractor framework for retirement income coordination How to evaluate fees and value in pension management

Federal Government Early Retirement Offer: Should You Take It? In this video, we delve into the timely topic of early retirement for federal government employees.  With recent news about an offer allowing eligible workers to retire early without pension penalties, many are questioning if they should take this opportunity. We discuss the key factors to consider, including financial, emotional, and practical questions that need answering. Whether it's ensuring you're financially ready or deciding if it's the right emotional move, we offer actionable steps and essential advice to help you navigate this potentially life-changing decision. About Astra Financial: Astra Financial is a Canadian financial planning firm led by certified financial planners Zena Amundsen and Nicole Putz. We specialize in retirement planning for Canadians and provide fee-only financial advice. ​​Want help planning your retirement? Learn more and book a call with our team of certified financial planners to create your personalized retirement roadmap here: https://astrafinancial.ca/get-informed-astra-financial-consultancy-services/  Get our free Reinspirement Guide - Download your roadmap to a fulfilling and financially sound retirement here: https://astrafinancial.ca/reinspirement/

Welcome to Heart of Your Retirement! In this episode, hosts Zena and Nicole provide an inside look at Astra Financial, where they're shaking up their usual retirement-themed content. Meet Nicole Putz, a certified financial planner (CFP) with a decade of expertise, and now a partner at Astra. They reveal their quirky partnership charter, highlighting their unique business habits and candid office dynamics. From brainstorming sessions over cold pork chops to handling technical woes and balancing work-life with workouts, get an authentic glimpse of how two dynamic women navigate the financial planning world. This is what running a Canadian financial planning firm actually looks like - no power suits, no boardrooms, just real partnership and real financial advice. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Most retirement planning focuses on one thing: the numbers. And yes, financial security matters. You need that foundation in place. But here's what most people don't expect: You could have every financial box checked off and still feel lost, bored, or lonely in retirement. After years of dreaming about no alarm clocks and endless freedom, many retirees find themselves asking, "Now what?" In fact, nearly half of retirees say they feel bored within their first two years. Retirement planning beyond finances is about designing a life that feels meaningful and connected. It's about the things that don't show up on your balance sheet but absolutely determine whether your golden years feel golden. From discovering new passions to building lasting connections, here are the five overlooked elements that shape true retirement happiness. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Hiring a financial planner shouldn't feel like a leap of faith, but for many people, it does. Maybe you've never worked with one because trust feels impossible. Or maybe you're stuck with an advisor who doesn't seem to have your back - someone who pushes products instead of creating plans, or leaves your questions unanswered. You're not alone. This is exactly what I hear from people all the time. Here's the truth: choosing the right financial advisor is like handing someone a gift box containing your entire life savings and future dreams. That's a big deal, and you deserve to feel confident about who you're trusting with that box. In this episode, I'm sharing the non-negotiables to look for, the questions that separate the pros from the product pushers, and the red flags that should make you run. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

What should have taken a few weeks to sort out took nearly a year. A family friend passed away with a beautiful legacy—savings, a cabin, investments. But probate delays, unclear paperwork, and taxes turned grief into a nightmare for her kids. That's exactly what we're avoiding today. You don't need complicated legal maneuvers or fancy trusts to minimize taxes with estate planner guidance. Most people just want things simple for their loved ones. My husband said it perfectly: "I don't want to pay more tax than I have to, and honestly, I just want it to be simple." Simple wins. I'm sharing five straightforward strategies that help your family minimize taxes with estate planning and avoid delays when you're gone. Ready to keep things simple? Listen to the full episode for all five strategies here! If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Think legacy planning is only for the wealthy? Think again. Legacy planning isn't about building hospital wings or naming stadiums after yourself. It's about having your ducks lined up, organizing things, and making life easier for the people you care about when you're gone. Canadian legacy planning can be as simple as having a current will, naming beneficiaries properly, and leaving clear instructions for your loved ones. Just these basic steps can save your family stress and confusion during an already difficult time. Whether it's funding park benches where your kids grew up or setting up a small scholarship fund, meaningful legacies don't require massive estates—just planning and intention. Ready to create a legacy that reflects your heart and values? Listen to the full episode to discover the three simple "buckets" that make legacy planning actually doable, plus real examples and tax benefits you need to know now. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Have you ever looked back and thought, "I can't believe how much everything costs now compared to when I started out"? In 1996, I bought my first house for $40,000 with a $350 monthly mortgage payment. Today, that same house would sell for eight times as much. This is inflation in action – and it's quietly changing everything about your money. We often think of investment risk as market ups and downs. But sometimes the biggest danger is not investing at all. While your money sits "safely" in the bank, inflation is steadily eroding your purchasing power. Even mild inflation at 3% cuts your buying power in half over 24 years. If you're planning for a 25-30 year retirement, this could be devastating. Ready to learn how to protect your retirement from inflation's silent threat? Listen to the full episode now! If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/ 

We spend our working lives saving for retirement, but what if the biggest risk isn't the markets? It's living too long. The average Canadian retiree now lives well into their eighties—great news, unless your money doesn't last as long as you do. Most retirement income plans quietly taper off around 85, leaving a dangerous gap. Longevity risk is the chance that you live longer than your savings were planned to last. And it's quietly threatening even the best retirement plans. But there's a simple strategy most people overlook: flipping how you think about your TFSA. Instead of treating it as early retirement money, what if it became your "95 fund"—your longevity reserve for when you're truly old? In this episode, I break down what longevity risk really means, how it can unravel your retirement, and why your tax-free savings account might be your hidden hero. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Picture this: you're planning "retirement" like it's one big phase. Golf every day, travel the world, maybe some time with the grandkids. But here's what I learned when I took my mom to Europe and watched a retired NBA player struggle through the tour. Retirement isn't one phase—it's three completely different stages. And if you don't plan for all of them, you're setting yourself up for some expensive surprises. I call them the Go-Go, Slow-Go and No-Go years. Each phase has different energy levels, different priorities, and most importantly, different financial needs. Your 65-year-old self will spend money very differently than your 85-year-old self. The question is: are you planning for both? If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/

You've saved diligently, planned carefully, and can finally see retirement on the horizon. Then the market crashes. Does this mean putting your dreams on hold? Not necessarily. In this episode of Heart of Your Money, we dive into the often-overlooked "deaccumulation phase" – how to spend your retirement savings wisely even when markets work against you. We'll explore why the timing of market downturns can devastate unprepared retirees, share a real-world success story of a couple who retired during an 8% market decline, and reveal strategies that go beyond the oversimplified "4% rule." Ready to create a retirement plan that can weather any economic storm? Listen now! If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

In this inspiring episode, we sit down with Quinn Magnuson, a former CFL player who has successfully transitioned from professional sports into business advising and leadership coaching. Quinn shares his remarkable journey from growing up on social assistance to earning a football scholarship that changed his life path. His unique philosophy of "Effort Over Results" emerged from his experiences in sports, teaching, and business ownership. In this episode, Quinn helps business leaders understand that true growth comes from valuing process over outcomes, creating psychological safety, and prioritizing self-care to avoid burnout. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Whether you're just receiving your first paycheck or mapping out your retirement, understanding Canada's tax system is crucial for your financial well-being. In this episode of Heart of Your Money, I break down marginal tax rates and progressive taxation in simple, practical terms. You'll discover why that "next dollar earned" doesn't push all your income into a higher tax bracket. Tax-Smart Retirement Planning isn't just about saving—it's about strategic withdrawals that keep you in lower tax brackets. I share real examples, including how my husband's retirement income only decreased by $850 monthly despite a "substantially lower" pension on paper. From the "sprinkling effect" of diversified income sources to the often-misunderstood difference between tax credits and deductions, this episode offers practical strategies for every life stage. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/ If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Markets are in turmoil as new tariffs shake investor confidence, but is this truly the crisis the headlines suggest? In this episode, we cut through the panic to reveal what these trade policies really mean for your portfolio. Get the straight facts on the recent US tariff announcements, understand their actual impact on different sectors, and discover why seasoned investors see opportunity where others see only risk. Learn how to position yourself to not just weather this storm but potentially profit from it. Don't let fear drive your financial decisions—tune in now to gain the clarity and perspective you need during these volatile times. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/

In a world increasingly focused on digital connection, there's something profoundly human about gathering in a circle to share stories. My conversation with Fraz Wiest, Development and Community Engagement Administrator at Regina's Globe Theatre, explores how theatre creates authentic bonds that transcend entertainment. As Canada's only permanent theatre-in-the-round completes its four-year renovation, Fraz reveals why supporting local arts represents a community investment with returns measured in connection, purpose, and belonging. From his personal journey as a theatre-loving child to his vision for revitalizing downtown Regina, Fraz reminds us that theatre isn't just about watching a performance—it's about participating in a fundamental human experience. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Retirement should be about enjoying life, not worrying about taxes eating away at your hard-earned savings. Yet many Canadians unknowingly pay thousands more in taxes than necessary simply because their investments are in the wrong accounts. In this episode, I break down three critical types of investment income—interest, dividends, and capital gains—and explain why understanding the tax implications of each can dramatically reduce your tax burden.  Whether you're already retired or planning ahead, knowing how to properly position your investments across registered and non-registered accounts is crucial. I'll share practical strategies, including my "sprinkle approach," to help keep you in a lower tax bracket and maximize what stays in your pocket during retirement. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/   If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

What does your ideal retirement lifestyle look like?  Before diving into investment strategies and portfolio allocations, we need to start with a more fundamental question: What truly matters to you?  In this episode of Heart of Your Money, we explore how understanding your core values transforms financial planning from a numbers game into a purposeful journey. Through real stories and practical exercises, you'll discover how to align your investments with your deepest goals – whether that's preserving a family legacy, supporting the next generation, or creating the freedom to spend more time with loved ones.  Let's move beyond traditional planning to create a financial strategy that resonates with your personal values. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out: https://astrafinancial.ca/podcasts/

Ready to structure cash flow in retirement but feeling overwhelmed?  While it might not be the most exciting topic, creating a clear system for your retirement income and expenses is crucial for a stress-free future.  In this episode, I'm breaking down a simple yet effective two-bucket approach to managing your money in retirement.  By separating your fixed expenses from your fun money, you'll gain the clarity and confidence to spend without worry. Whether you're planning for retirement or already there, this practical guide will help you create a system that ensures both your needs and wants are covered.  Say goodbye to financial uncertainty and hello to peace of mind in your retirement years. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check it out here: https://astrafinancial.ca/podcasts/

Retirement planning can be complex, but few aspects are as critical as understanding your government benefits. In this episode of Heart of Your Money, we're tackling four costly mistakes that could be diminishing your retirement income.  From underestimating the true value of CPP and OAS to getting blindsided by the dreaded clawback, these pitfalls can significantly impact your financial security. The good news? They're all avoidable with proper planning. Whether you're approaching retirement or already there, knowing how to maximize these benefits while minimizing tax implications could mean thousands of extra dollars in your pocket.  Join me as we explore smart strategies for timing your benefits, leveraging spousal options, and protecting your OAS from unnecessary clawbacks.  If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Are you staring at your retirement savings, wondering if it will be enough? You're not alone. Many retirees struggle with the emotional shift from saving to spending, often feeling anxious about "turning on the tap" of their hard-earned nest egg. But there's a more empowering way to think about retirement: instead of viewing your savings as one big pile that's slowly depleting, imagine multiple retirement income streams flowing toward you month after month, like a steady river. This mindset shift isn't just about feeling better—it's about creating a practical strategy that combines various sources of income, from investments to pensions, helping you spend confidently and live joyfully in retirement. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/ 

The retirement landscape has transformed dramatically over the past few decades. Gone are the days when you could count on working for one company, receiving a comfortable pension, and settling into a predictable retirement routine. Today's new retirement reality demands a different approach—one that acknowledges longer lifespans, changing work patterns, and the need for multiple income streams. Whether it's the decline in defined benefit pensions, the impact of market volatility, or the rising costs of healthcare, retirees face unique challenges that their parents never encountered. But it's not all doom and gloom. With proper planning, understanding, and an open mind, this new chapter can be more flexible, purposeful, and fulfilling than ever before. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/    If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

In my latest episode of "The Heart of Your Money," I dive into a topic close to my heart: happiness in retirement. I've learned that it's about so much more than just financial security—it's about creating a fulfilling life after your working years.  Drawing from the renowned Harvard Study of Adult Development, I share insights on cultivating enduring happiness during retirement. I'll show you why finding purpose, nurturing relationships, and maintaining your health are crucial for a satisfying retirement.  Together, we'll explore practical strategies to find meaning in everyday activities, stay socially connected, and achieve that elusive work-life balance, even when work is no longer part of your equation.  Join me as I uncover the keys to unlocking true happiness in your golden years If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/ If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/    

In this eye-opening episode of our podcast, we dive deep into the world of online safety with RCMP Officer Brian Ferguson.  Brian shares invaluable insights on protecting yourself from cyber threats, including the importance of regular password changes, the risks of public Wi-Fi, and the dangers lurking in social media oversharing. From the "30-Day Password Challenge" to the perils of internet-connected home devices, this episode is packed with practical advice for navigating our increasingly digital world. Whether you're a tech novice or a seasoned internet user, Brian's expertise offers something for everyone. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/   If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/    

In an era where digital threats loom large, understanding cyber security has never been more crucial, especially for retirees.  In this eye-opening episode of our podcast, we sit down with RCMP Officer Brian Ferguson, a seasoned expert with 20 years of experience in tech crime.  Officer Ferguson pulls back the curtain on the evolving world of online scams, from heartstring-tugging romance frauds to cunning tech support schemes. With his unique insights, we explore how these scams specifically target retirees and why they're so effective. But more importantly, we equip you with practical, easy-to-implement strategies to protect yourself and your loved ones from falling victim to these digital predators. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/ If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Wondering how to save for your first home? In this episode, Nicole Putz and I discuss the first-time homeowner savings account and other practical tools to leverage when navigating today's challenging real estate market. Listen now! If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/ If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Curious about whether a part-time job in retirement is right for you? In this episode of the Heart of Your Money podcast, we dive into the emotional and financial considerations of working part-time after retirement. Whether you're looking for a sense of purpose, a financial buffer, or simply exploring your options, our expert advice will help you make an informed decision. Tune in to discover how a part-time job could fit into your retirement plan and ensure you enjoy this next chapter to the fullest. If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Are you planning for retirement and unsure about when to start taking your Canadian Pension Plan (CPP) benefits? Don't miss this crucial episode of the Heart of Your Money podcast! In episode 119, we delve into the intricacies of the CPP, a hot topic in almost every retirement meeting. Discover how your contributions and benefits are calculated, and learn about the often-misunderstood impact of zero years of working before collecting CPP. Whether you're nearing retirement or planning ahead, this episode will help you navigate the complexities of the CPP and optimize your retirement strategy. Grab the Get Your Money in Gear Course here: https://zenaamundsen.ca/get-your-money-in-gear-course/

In my latest episode, I'm sharing why our last 2 clients came to Astra Financial and the importance of these 3 things in an financial advising relationship: ➡️ Personalized Financial Planning: The critical need for detailed and personalized financial planning as clients approach retirement ➡️ Recognizing and Acting on Red Flags: The importance of recognizing red flags in financial advisory relationships. Whether it's a lack of detailed financial planning, insufficient explanations about fees, or a general feeling of uncertainty after advisory meetings ➡️ Client Empowerment Through Education: The benefits of working with certified financial planners who are committed to the client's best interests   If you want to sign up for Get Your Money in Gear, go here: https://zenaamundsen.ca/get-your-money-in-gear-course/   If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/  

Are you ready to supercharge your financial journey? 🚀 Tune in to our latest podcast episode where my daughter and I dive deep into three game-changing strategies for financial success and stronger family bonds, including ... 🌟Starting small but dreaming big: And how those little steps can lead to massive wins! 🌟Celebrating every milestone along your financial path because every victory counts! 🌟Learning how to create a supportive and judgment-free environment that fosters financial well-being and strengthens family ties. Don't miss out on this valuable insight! Tune in now and join us on the journey to a brighter financial future and happier family relationships! 

Ready to gain insightful secure your financial future through smart pension management? In my latest podcast episode, I'm sharing my top tips, including ... 💰Educating yourself about pensions early in your career, covering contribution rates and vesting periods to make informed decisions. 💰Exploring the benefits of consolidating multiple pension accounts into one, making management simpler and more efficient. 💰Emphasizing the importance of keeping your contact information up-to-date to avoid any disruptions or losses in tracking your pension. Don't miss out on these valuable insights! Tune in now to optimize your pension strategy and pave the way for a secure financial future.  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Importance of End-of-Life Conversations and Documentation: The podcast emphasizes the critical need for individuals to have conversations about their end-of-life wishes with loved ones or document them if they can't. This ensures that their desires are known and respected, helping to avoid family conflicts and uncertainty during challenging times. Comprehensive Support and Resources: Kathleen Kellner's role as an end-of-life consultant extends beyond traditional funeral planning. Her company, Empowered Endings Collective, offers comprehensive support, including financial, legal, and legacy planning. This holistic approach aims to address all aspects of end-of-life preparation and ensure clients receive tailored support for their unique needs. Initiating Conversations and Seeking Support: Both Kathleen and the host, Zena, stress the importance of starting conversations about end-of-life planning and seeking support early on. They encourage listeners to reach out for guidance and assistance, emphasizing that every situation is unique and requires personalized support to navigate effectively.  

Elevate your tax game with my latest podcast! Today's episode is dedicated to tax season. Learn my top tips on navigating recent updates, including ... 🌟 Discovering the power of disclosure in trust arrangements, ensuring CRA compliance and penalty avoidance. 📝 Traversing the 2023 home office expense changes – meet criteria, keep docs handy! 💼 Exploring the CRA's recent 10% interest charge hike; timely payments save you from hefty fines. 🚨 Stay informed, be proactive – these tax insights are your guide to smooth financial sailing! Dive into tax insights today for savvy financial planning ahead!

Embark on a journey of insightful revelations with Laura Englund as she unravels the intricacies of navigating life transitions, including these three key takeaways that might just reshape your perspective: 🙌 Early Conversations Are Key: Laura passionately advocates for the power of early conversations and strategic planning when it comes to life transitions. Waiting until retirement, she cautions, might add unnecessary stress. Learn why initiating these dialogues sooner rather than later can be a game-changer in navigating the twists and turns of life. 🙌 Downsizing Beyond the Tangibles: In a heartwarming exploration of personal anecdotes, Laura delves into the emotional toll and family dynamics associated with downsizing. The big revelation? Downsizing doesn't equate to selling everything. Discover how a shift in perspective, coupled with professional assistance, can streamline the process, allowing you to preserve cherished memories while embracing a simpler lifestyle. 🙌 Embrace Alternatives: Laura encourages us to broaden our horizons by considering downsizing alternatives. It's not just about clearing physical space but finding ways to declutter our lives continually. Moreover, she introduces the concept of aging in place comfortably, showcasing that downsizing doesn't always mean a complete upheaval.   If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

In the latest episode of "Heart of Your Money," we dive deep into the heart of family dynamics and finances. Get ready for a rollercoaster of insights and personal stories that will reshape the way you approach money within your own clan. Here's a sneak peek into the transformative journey: 💰 Diverse Money Perspectives Unveiled: Discover how I navigate the intricate web of diverse money mindsets within my family, ensuring a harmonious financial landscape and preventing conflicts before they even arise. 💰 Money Memories: It's more than just nostalgia. Join me on a trip down memory lane as I open up about personal money experiences. Learn how sharing these stories fosters a deeper understanding and respect among family members, creating an empathetic foundation for our financial journey. 💰 Crafting the Ultimate Family Money Plan: Uncover the secrets to a robust family money plan that goes beyond the numbers. I delve into the importance of regular discussions, inclusivity, flexibility, and financial literacy. Spoiler alert: It's not just about the budget; it's about building trust and strengthening those family bonds. Tune in now for an eye-opening conversation that will empower you to revolutionize your family's approach to money. Because when it comes to finances, unity is not just strength – it's the key to an unbreakable family legacy!

Embracing Simplicity in Money Management: The episode emphasizes the importance of adopting a minimalist approach to financial management, drawing parallels between a simple lifestyle and a streamlined approach to handling money. Daily Financial Check-In: The host introduces a quick and easy daily routine, taking just 10 minutes or less, to check in on your finances. This involves planning for the day's expenses, fostering mindfulness in spending, and ensuring that every financial decision is well thought out. Weekly Financial Grasp: The podcast advocates for a weekly 10-minute check-in to assess the previous week's spending, celebrate successes, or recalibrate as needed. This routine includes checking bank accounts, listing upcoming expenses, and maintaining control over your financial situation to eliminate stress and guilt associated with unplanned spending.

Are you ready to break free from financial constraints and embark on a journey to redefine your relationship with money in 2024? I'm here to guide you through a game-changing approach that will reshape your financial destiny, starting with today's podcast, Episode #109: Cash Flow Mastery - Breaking Free from Budget Constraints in the New Year. Key takeaways for your financial revolution include ...  🚀 Prioritizing Meaningful Spending: Bid farewell to impulsive purchases and embrace intentional living. Align your spending with your values, empowering your money to reflect what truly matters. 🚀 Creating Value-Aligned Savings Buckets: No more generic savings accounts! Discover how to tailor your savings to unique goals, making your money work smarter and aligning your strategy with your dreams. 🚀 Adopting a Simple 10-Minute Financial Check-In Routine: Say goodbye to overwhelming spreadsheets! My quick and easy financial check-in routine takes just 10 minutes, offering significant results in keeping your finances on track.  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Get ready for an inspiring journey through the entrepreneurial landscape in our latest podcast episode! In today's podcast, I'm joined by Corina Walsh, author, certified leadership coach, and CEO of Shift People Development Inc. Our conversation was brimming with wisdom nuggets, offering invaluable insights into... 🌟The Exhilarating Entrepreneurial Journey: Dive into the riveting world of entrepreneurship as we explore the highs and lows, emphasizing the importance of preparation without succumbing to a scarcity mindset. 🌟Transitioning to Entrepreneurship: Join us for insights on the shift from employment to entrepreneurship, where we stress the need for meticulous planning and open communication, addressing crucial aspects such as finance and emotions. 🌟Practical Tips for Aspiring Entrepreneurs: For those eyeing entrepreneurship, especially those nearing retirement, we offer actionable advice—strategic career completion, early venture exploration, and proactive network building.  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

As parents, we always want to protect our kids and make sure they're okay. We pick them up when they scrape their knees trying to ride a bike and give a stink eye to the other kids who are mean to them on the playground 😠 But at some point we all know we have to stop picking them up and dusting them off...and let them do it themselves. COVID has created a lot of uncertainty in terms of jobs and finances, and many people have kids wanting a helping hand financially right now. In this podcast, I'm chatting about what you should think about if you have adult kids who want financial help. Give it a listen now to learn what you need to consider if you're thinking about giving your grown-up kids financial help 💁 https://astrafinancial.ca/2021/02/08/should-we-be-helping-our-adult-children-financially/

I don't know about you but I love when a myth gets busted …from the moon being made of cheese to that being Trump's natural skin tone (sorry, I had to do it 🙊). But some myths can actually be pretty frightening and really hurt us financially, which is why in this podcast I'm debunking some of the most common financial myths I get asked about…like you can't afford a financial planner, you started too late or you're stuck in a defined benefit pension. I also have a special guest on this episode who is going through these myths with me…but you'll have to listen to find out who it is 😁 You don't want to miss this episode, it's one of my favs. https://astrafinancial.ca/2021/01/04/episode-6-busting-financial-planning-myths/

A new year is almost here (whew, we made it!) and this is a great time to do a financial check in to see how you did this year in terms of meeting your goals, paying off debts and figuring out what you want to make happen in the year to come. In this podcast I'm going over what to take into account when you're closing out your year so you're on a fresh new journey in 2021 😎 Don't worry – this check-in isn't about being hard on yourself. It's about celebrating what you've achieved so far and planning out the exciting new places you're going to go in the coming year 🌟 Take a listen now, grab a pen and paper and jot down these easy steps for a year-end closeout that will give you confidence heading into the new year. https://astrafinancial.ca/2020/12/14/episode-5-end-of-year-financial-checklist/

Cozy up with my latest podcast episode as we embark on a winter wind-down filled with my favourite podcast and books recommendations. Join me for a perfect blend of entertainment, knowledge, and kindness.  If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

In my latest podcast episode, I delve deep into the wonderful world of Education Savings Plans (ESPs) and how they can pave the way for your child's bright future.  You won't want to miss this wealth of information! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Don't miss our latest podcast episode! I'm dishing on the celebrities and offering vital aspects of estate planning, including ... Why having a will is crucial to avoid complications and disputes. Common reasons for delaying will creation. The importance of updating your will as life changes and Celeb stories drive home the need for proactive estate planning. Tune in now! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/

Welcome to episode #103! In this podcast episode, I'm sharing commonly given bad financial advice, including...  Investing all your money in a single stock based on rumours or tips is discouraged due to its high risk, Borrowing money to invest, known as leveraging, can lead to financial trouble and dipping into emergency funds for high-yield investments.  The big takeaway in today's episode? Approach financial decisions cautiously, seek professional advice, and prioritize diversification, liquidity, and prudent financial planning.  Dive into our latest episode for essential financial wisdom and insights! If you want more resources and show notes, check out https://astrafinancial.ca/podcasts/