Retiring Canada

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany DIY investors do an excellent job building wealth during their working years. But retirement introduces a new set of challenges that go far beyond choosing investments and managing a portfolio. In this episode of Retiring Canada, we discuss the five most common retirement planning mistakes we see DIY investors make as they approach retirement.You will learn how overconfidence can create blind spots, why dividend focused portfolios may not be as efficient as many retirees believe, and how excessive cash holdings can quietly impact long term retirement outcomes. We also discuss retirement income planning, tax efficient withdrawal strategies, decumulation planning, any why many successful investors wait too long to seek professional advice.We also compare fee-based and fee-only financial planning models, outlining the strengths, tradeoffs and ideal use cases for each approach so you can better understand which model aligns with your retirement goals. This episode is for DIY investors, retirees and pre-retirees who want to better understand the retirement planning gaps that can emerge when managing retirement independently and how to avoid costly mistakes along the way.WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany Canadians spend decades building significant wealth for retirement, only to discover that financial success alone does not automatically create confidence, clarity, or peace of mind.In this episode of Retiring Canada, we discuss why even financially successful retirees with substantial savings can still feel nervous, uncertain, or overwhelmed as retirement approaches.You will learn the two major reasons retirees commonly struggle with retirement anxiety, how emotions often influence retirement decisions more than numbers alone, and why true retirement planning extends far beyond simply managing investments. We also discuss the major gaps that exist in much of the wealth management industry, the importance of coordinated tax, income, health care, and estate planning, and how thoughtful retirement planning can help create both financial confidence and personal freedom.We also explore the emotional side of retirement, including purpose, identity, relationships, and the challenge many highly driven professionals and business owners face when stepping away from their career or life’s work.This episode is for Canadian retirees, business owners, and pre-retirees who want greater confidence not only in their finances, but also in the next chapter of their life. WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠ ⁠https://www.retiringcanada.ca/retirement-newsletter⁠As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: ⁠https://fundamentalwealth.ca/get-started⁠💻 Subscribe to the Newsletter: ⁠https://www.retiringcanada.ca/retirement-newsletter⁠👉 Download Our Latest Retirement Guide: ⁠https://www.retiringcanada.ca/retirement-guide⁠✏️ Submit Your Question: ⁠https://www.retiringcanada.ca/submit-your-question⁠🌐 Retiring Canada Website: ⁠https://www.retiringcanada.ca⁠

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedTrusts can be powerful planning tools, but they are alsocomplex, expensive, and often misunderstood.In this episode of Retiring Canada, we break downhow trusts work, when they may make sense, and when they probably do not.You will learn the difference between trusts establishedduring your lifetime and trusts created through your will, along with commonuses for business owners, high net worth families, blended families, andfamilies with minor children. We also discuss family trusts, testamentarytrusts, Henson trusts, and key tax considerations that can create unintendedconsequences if not structured properly.We also explain why most people may not actually need atrust and why a proper cost benefit analysis is essential before moving forwardwith these strategies.This episode is for Canadians who want a clearerunderstanding of trusts and how they may fit into an estate or retirement plan.WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latestRetirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit YourQuestion: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedFor many Canadians, their home and vacation property have become some of their largest financial assets. But when it comes time to sell, transfer, or settle an estate, many families are shocked to discover the potential tax consequences attached to those properties.In this episode of Retiring Canada, we discuss how the Canadian Primary Residence Exemption works and the planning strategies retirees and families should understand when multiple personal use properties are involved.You will learn what qualifies as a principal residence, why only one property per family unit can generally be designated in a given year, and how choosing the wrong property could result in unnecessary capital gains tax. We also walk through a detailed example involving a family home and vacation property, explain the “plus one” rule, and discuss several overlooked planning considerations involving properties owned before 1972, 1982, and 1992.We also explore the importance of tracking capital improvements, coordinating with accountants and executors, and why proactive estate and tax planning can help preserve more family wealth over time.This episode is for Canadian retirees, cottage owners, executors, and families who want to better understand how to minimize taxes and optimize the use of the Primary Residence Exemption. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany Canadians spend decades building their retirement savings but unknowingly walk into a major tax trap once retirement income, RRIF withdrawals, and government benefits all begin colliding later in life.In this episode of Retiring Canada, we discuss how thoughtful tax planning can help retirees create more flexibility, reduce lifetime taxes, and avoid common retirement income pitfalls.You will learn how RRSP and RRIF withdrawals impact taxation, why many retirees lose control of their income after age 71, and how OAS clawbacks and income-tested benefits can quietly erode retirement cash flow. We also discuss dividend income, marginal tax rates, the “tax valley” strategy, partial RRIF conversions, TFSA optimization, and why retirement tax planning should be reviewed and adjusted every single year.We also walk through our year end tax planning process and explain how coordinated planning between investments, taxes, retirement income, and estate goals can help Canadians spend, gift, and donate more confidently throughout retirement.This episode is for Canadian retirees, pre-retirees, and business owners who want to better understand how proactive retirement tax planning can improve long term retirement outcomes and help avoid unnecessary taxes later in life. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany Canadians believe their estate plan is complete once they have a Will and Powers of Attorney in place. But during difficult times, families and executors often discover important details and instructions are still missing.In this episode of Retiring Canada, we discuss two commonly overlooked estate planning documents that can help bring clarity, organization, and peace of mind to your family and executor.You will learn why estate planning should be viewed as part of a broader coordinated financial strategy, when you should review your estate documents, and how a Letter of Instruction and Executor Checklist can help simplify the estate administration process. We also discuss common estate planning gaps, executor considerations, blended family complexity, beneficiary coordination, and why many Canadians unknowingly leave behind confusion despite having legal documents in place.We also explore the emotional side of estate planning and why thoughtful preparation today can dramatically reduce stress, uncertainty, and conflict for the people you care about most.This episode is for Canadian retirees, families, and executors who want to better organize their estate plan and ensure their wishes are carried out clearly and efficiently. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📄 Executor Checklist📝 Letter of Instruction

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedNot every retiree wants to leave behind a large estate. For some Canadians, the goal is to fully enjoy retirement, spend confidently, and maximize experiences during their lifetime while leaving a minimal inheritance behind.In this episode of Retiring Canada, we discuss five key planning considerations for retirees whose goal is to intentionally spend down their retirement savings over time.You will learn how longevity assumptions dramatically impact retirement planning, why retirement spending often changes through the “go-go,” “slow-go,” and “no-go” years, and how dynamic retirement income strategies may help support higher spending earlier in retirement. We also discuss inflation, long term care costs, housing decisions, home equity planning, and why tax efficient decumulation becomes critically important when the margin for error is smaller.We also explore the emotional side of retirement planning, including purpose, flexibility, adapting to change, and the deeper question of what it truly means to live well throughout retirement.This episode is for Canadian retirees and pre-retirees who want to better understand how to confidently spend and enjoy their retirement years while still maintaining a sustainable long term financial plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca🔗 2025 Projection Assumption Guidelines - FP Canada

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedTax season can be stressful enough without late slips, CRA reassessments, missing documents, and unnecessary surprises creating even more frustration for retirees and investors.In this episode of Retiring Canada, we discuss three practical ways Canadians can streamline their tax filing process and reduce the likelihood of errors, reassessments, and missed tax planning opportunities.You will learn why creating a CRA My Account can simplify your financial life, how a personalized tax slip checklist can help reduce filing mistakes, and why rushing to file your taxes too early may actually increase the risk of reassessments and interest charges. We also discuss common tax filing problems that impacted Canadians in 2025, including delayed T3 and T5 slips, CRA processing issues, and the importance of coordinating with accountants and advisors during tax season.We also explore how thoughtful tax planning extends beyond simply filing a return and why a proactive retirement planning team should help coordinate taxes, investment accounts, retirement income, and long term planning together.This episode is for Canadian retirees, investors, and business owners who want to better organize their tax filing process while reducing stress and improving long term tax efficiency. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📄Your Tax Strategies 2025 Tax Letter - SAMPLE📝 Spring Tax Slip Checklist - SAMPLE

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedA strong advisor relationship can provide confidence, guidance, and peace of mind for decades. But as life changes and financial complexity increases, there may come a point where the advice you are receiving no longer aligns with your needs.In this episode of Retiring Canada, we discuss six common situations where Canadians often seek a second opinion on their retirement and financial planning.You will learn why major life transitions such as retirement, divorce, the death of a spouse, receiving an inheritance, selling a business, or an advisor nearing retirement can dramatically change the kind of planning and support you require. We also discuss the difference between investment management and true wealth management, the importance of trust and communication, and why retirement planning extends far beyond simply selecting investments.We also explore the emotional side of advisor relationships, the value of long term planning partnerships, and why many Canadians unknowingly outgrow the advice they have been receiving for years.This episode is for Canadian retirees, business owners, and families who want to better understand when it may be time to seek a second opinion on their financial and retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://www.fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedRetirement income planning is far more complex than simply withdrawing money from investment accounts. Every decision involving taxes, pensions, investments, spending, and estate planning can create ripple effects throughout your retirement.In this episode of Retiring Canada, we walk through a seven step blueprint for building a tax wise retirement income plan designed to create sustainable income for life.You will learn how decumulation strategies work, why CPP and OAS timing decisions should never be made in isolation, and how tax efficient withdrawal planning can help reduce lifetime taxes while improving retirement flexibility. We also discuss fixed income and cash wedge strategies, the importance of access to liquidity through retirement, and the significant financial impact that can occur when one spouse passes away.We also explore the softer side of retirement planning, including the importance of adaptability, ongoing planning reviews, spousal communication, and why successful retirement planning is just as much an art as it is a science.This episode is for Canadian retirees and pre-retirees who want to better understand how to build a coordinated retirement income plan that can adapt to changing life circumstances over time. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📘 📝Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice 📜Client Service Standards

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedDividend investing is one of the most popular investment strategies among Canadian retirees, but many investors may not fully understand how dividends impact taxes, diversification, government benefits, and long-term retirement planning.In this episode of Retiring Canada, we discuss the hidden challenges and blind spots that can arise when building a retirement portfolio heavily focused on dividend paying investments.You will learn why many dividend investors become overly concentrated in Canadian banks, utilities, and energy companies, how dividend distributions impact taxable income, and why dividend gross up rules can unexpectedly increase your marginal tax rate. We also discuss OAS clawbacks, tax efficient decumulation planning, and why dividend investing may limit your ability to control retirement income and taxes over time.We also explain the psychological appeal of dividend investing, why dividends are not “free money,” and how proper diversification and retirement planning should extend far beyond simply chasing income distributions.This episode is for Canadian retirees and investors who want to better understand how dividend focused investing may impact their broader retirement income, tax, and portfolio strategy. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedRetirement is one of the biggest financial and lifestyle transitions you will ever make. If 2026 is your target retirement year, the planning decisions you make right now could have a major impact on your long term success and confidence.In this episode of Retiring Canada, we discuss five important steps Canadians should take if they are planning to retire in 2026.You will learn why budgeting and spending awareness are crucial during retirement, how to review your investment portfolio for retirement suitability, and why CPP, OAS, pension decisions, and tax wise decumulation planning can dramatically impact your future retirement income. We also discuss estate planning, Powers of Attorney, health care directives, and the importance of building a coordinated retirement plan that goes beyond investments alone.We also explore the softer side of retirement including purpose, relationships, health, and how gaining financial confidence allows retirees to focus more fully on enjoying the next chapter of life.This episode is for Canadians planning to retire in 2026 or within the next few years who want greater clarity and confidence about their long term retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

This Holiday Season, Give Yourself the Gift of Peace of Mind in Retirement. Our Fundamental Retirement Plan (FRP) is a simple, five-step framework designed to help you build a retirement plan that reflects your goals, your lifestyle, and your biggest concerns.As we head into the season of giving, consider how a bit of thoughtful planning today can become the gift that continues to support you year after year, keeping your retirement on track, even when life brings the unexpected. Want more this Christmas?Tune in as we break down each step of the FRP process in Episodes 59-64. Perfect listening for a cozy holiday season and a confident year ahead. Specifically, we are going to discuss:The 5-step critical path to a secure retirementHow a standalone session can derail your retirementThe importance of ongoing monitoring and adjustments when life throws you a curve ball. Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter. As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMarket crashes are not a matter of if. They are a matter of when. The real question for retirees is whether their portfolio and retirement plan are prepared to withstand the next major downturn.In this episode of Retiring Canada, we discuss how retirees and pre-retirees can prepare their retirement portfolio for future market volatility without relying on predictions or trying to time the market.You will learn why diversification, low investment costs, asset allocation, and proper retirement income planning all play critical roles during periods of uncertainty. We also discuss small cap value investing, cash wedge and bond ladder strategies, spending flexibility during downturns, and why having a coordinated financial plan can provide confidence during difficult market environments.We also explain the psychological side of investing, why fear based financial decisions can become dangerous during market drawdowns, and how retirees can better tune out the noise when uncertainty inevitably arrives.This episode is for Canadian retirees and investors who want to better understand how to structure a retirement portfolio designed to withstand market crashes while supporting long term retirement income needs. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedFor many affluent Canadians, the biggest financial opportunity is not necessarily earning higher returns. It is improving tax efficiency and keeping more of what you have already built.In this episode of Retiring Canada, we break down five powerful tax planning strategies commonly used by wealthy Canadians, incorporated professionals, retirees, and business owners.You will learn how corporations can be used for income splitting and investing retained earnings, why proper TFSA optimization can dramatically impact long term wealth, and how thoughtful RRSP and RRIF drawdown strategies may help reduce lifetime taxes and improve retirement outcomes. We also discuss tax efficient portfolio construction, capital gains versus interest income, charitable giving strategies, trusts, estate planning, and the importance of coordinating investment, tax, and legal planning together.We also explain several commonly overlooked planning opportunities that may help retirees and business owners legally reduce taxes while protecting and growing long term family wealth.This episode is for Canadian retirees, incorporated professionals, business owners, and high income earners who want to better understand how coordinated tax planning can help preserve more of their wealth over time. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany successful Canadians build significant wealth through real estate, but retirement often introduces a difficult question: should you continue managing your properties, or is it time to simplify?In this episode of Retiring Canada, we discuss the financial and lifestyle considerations involved with divesting a real estate portfolio during retirement.You will learn the key reasons retirees may choose to hold onto rental or commercial properties, the situations where selling may make more sense, and how these decisions can impact retirement income, taxes, estate planning, and long term financial security. We also walk through five important questions retirees should ask themselves before deciding whether to keep or sell their properties.We also discuss Michael’s personal experience owning rental property, the hidden cost of time, and why retirement planning decisions often involve both financial and emotional considerations.This episode is for Canadian retirees, business owners, and real estate investors who want to better understand how property ownership fits into a sustainable long term retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedBuilding a retirement portfolio is about far more than simply picking investments. The structure, tax efficiency, and location of those investments can have a major impact on your long term retirement success.In this episode of Retiring Canada, we discuss the key principles behind constructing a retirement portfolio designed to support sustainable income, tax efficiency, and long term growth.You will learn the difference between asset allocation and asset location, why the placement of investments across RRSPs, RRIFs, TFSAs, and non-registered accounts matters, and how proper portfolio construction can improve after tax retirement outcomes. We also discuss market volatility, retirement income planning, equity exposure, bond positioning, and how retirees can build portfolios designed to weather periods of uncertainty.We also walk through a detailed real world retirement portfolio example to demonstrate how investment structure, tax planning, and retirement income decisions all work together within a comprehensive retirement plan.This episode is for Canadian retirees and pre-retirees who want to better understand how thoughtful retirement portfolio construction can help create a more sustainable and tax efficient retirement strategy. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedChoosing a retirement planning team is about far more than simply opening investment accounts. It is about building a long term relationship with professionals who understand your goals, values, family, and financial future.In this episode of Retiring Canada, we walk through what new clients can expect during their first year working with our team after completing the Fundamental Retirement Plan process.You will learn how our team approach works, what happens during the account transition process, how we coordinate with accountants and lawyers, and why communication and proactive planning are such important parts of the client experience. We also discuss the importance of in person relationships, ongoing meetings, tax planning reviews, and the month by month implementation process that takes place during a client’s first year.We also share the deeper purpose behind the podcast, the Fundamental Retirement Plan, and the vision of creating a retirement planning experience that truly puts retirees and their families first.This episode is for Canadians looking for a more coordinated, proactive, and relationship driven approach to retirement planning and wealth management. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caSample of Client’s First Year

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedEstate planning is about far more than simply having a Will. It is about ensuring your assets, taxes, legal documents, and family wishes all work together in a coordinated and intentional way.In this episode of Retiring Canada, we break down Step 5 of the Fundamental Retirement Plan: Estate Planning.You will learn the key estate planning documents every Canadian should have in place, including Wills, Powers of Attorney, Living Wills, and trusts. We also discuss beneficiary designations, gifting strategies, charitable giving, probate considerations, digital assets, and several common estate planning mistakes that can create unintended outcomes for families and executors.We also explain why estate planning should not be viewed as a one time legal transaction, but rather as an ongoing process that evolves alongside your finances, family circumstances, tax situation, and long term goals.This episode is for Canadian retirees and families who want greater confidence that their estate plan truly reflects their wishes while helping simplify the process for loved ones in the future. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany retirees spend decades planning for investments, taxes, and retirement income, yet completely overlook one of the biggest risks to long term retirement success: health care costs.In this episode of Retiring Canada, we break down Step 4 of the Fundamental Retirement Plan: Health Care Planning.You will learn how rising health care costs, prescription expenses, travel insurance, long term care needs, and income-tested benefits can significantly impact retirement planning. We also discuss the importance of understanding government programs, tax credits, and provincial benefits that many retirees either overlook or fail to optimize properly.We also walk through a real world example where careful income and tax planning helped a retiree preserve access to a valuable prescription drug benefit worth more than $25,000 per year.This episode is for Canadian retirees and pre-retirees who want to better understand how health care planning, aging decisions, and long term care considerations fit into a comprehensive retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedRetirement tax planning is about far more than simply filing your taxes each year. The decisions you make today can have a major impact on your future income, government benefits, and long term financial security.In this episode of Retiring Canada, we break down Step 3 of the Fundamental Retirement Plan: Tax Planning.You will learn the difference between tax planning and tax advice, how investment allocation and income planning directly impact your tax strategy, and several common tax planning opportunities retirees often overlook. We also discuss RRSP and RRIF withdrawals, TFSA optimization, pension income splitting, CPP sharing, OAS clawbacks, non-registered account efficiency, and planning around large taxable events such as rental property sales.We also explain why thoughtful tax planning can create significantly more flexibility throughout retirement while helping reduce future estate tax exposure and improve long term after tax retirement income.This episode is for Canadian retirees, business owners, and pre-retirees who want a better understanding of how coordinated tax planning can help protect and maximize retirement wealth over time. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedRetirement is the first time in your life where your employment income stops and your investments must begin creating your retirement paycheque.In this episode of Retiring Canada, we break down Step 2 of the Fundamental Retirement Plan: Income Planning.You will learn how sustainable retirement income is built using diversified income sources, tax efficient withdrawal strategies, inflation adjusted spending plans, and coordinated investment decisions. We also discuss CPP and OAS timing, RRSP and RRIF withdrawals, corporate income strategies, and why retirement income planning is far more complex than most people initially realize.We also explain how seemingly small decisions early in retirement can dramatically impact your long term financial trajectory and why proper planning creates the confidence to spend, travel, help family, and enjoy retirement without constantly worrying about running out of money.This episode is for Canadian retirees and pre-retirees who want to better understand how to create a sustainable retirement income plan that supports both their lifestyle and long term financial security. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMost retirees do not actually have a retirement plan. They simply have a collection of investment accounts without a clear strategy tying everything together.In this episode of Retiring Canada, we introduce Step 1 of the Fundamental Retirement Plan: Investment Allocation.You will learn why investment allocation is the foundation of every successful retirement plan and how the decisions made inside your portfolio impact retirement income, taxes, health care planning, and your estate. We also discuss risk adjusted returns, portfolio diversification, hidden concentration risk, investment costs, and why many Canadian retirement portfolios may not be properly structured for long term retirement success.We also explain how we analyze retirement portfolios using metrics such as Sharpe ratio, drawdown, standard deviation, diversification, portfolio overlap, and cash drag to determine whether investors are truly being compensated for the level of risk they are taking.This episode is for Canadian retirees and pre-retirees who want a deeper understanding of how proper investment allocation can help create a more sustainable and confident retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedHolding cash may feel safe, but too much idle cash can quietly erode long term retirement wealth through inflation, missed growth, and inefficient portfolio construction.In this episode of Retiring Canada, we discuss how “cash drag” impacts retirement portfolios and why many investors may be holding significantly more cash than they actually need.You will learn about the three major areas where excess cash commonly builds up, including bank accounts, investment accounts, and hidden cash positions buried inside mutual funds and ETFs. We also explain why many investors unintentionally reduce long term returns by trying to predict market downturns or maintain excessive “dry powder” on the sidelines.We also walk through several real world retirement planning examples that illustrate how optimizing excess cash holdings can potentially add hundreds of thousands, or even millions, of dollars in additional long term retirement value.This episode is for retirees and Canadian investors who want to better understand how portfolio structure, cash management, and long term investing discipline can impact retirement success. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany retirees eventually reach a point where they begin asking an important question: should I wait to pass wealth on through my estate, or help my family financially while I am still alive to see the impact?In this episode of Retiring Canada, we discuss the financial and emotional considerations involved with gifting money to family during retirement.You will learn how retirees can determine whether they truly have excess capital available to gift, the importance of securing your own retirement first, and how different gifting strategies can affect both family dynamics and long term financial outcomes. We also walk through real world examples involving significant gifts, expectations attached to those gifts, and practical ways adult children may use inherited money responsibly.We also discuss tax considerations, intergenerational wealth transfer, trusts, and why thoughtful communication around money can help strengthen family relationships over time.This episode is for retirees and financially successful Canadians who want to explore how gifting money during retirement may help support their family while still protecting their own long term financial security. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany successful DIY investors feel confident managing their own portfolios during their working years, but retirement introduces a completely different set of financial challenges and decisions.In this episode of Retiring Canada, we break down the pros and cons of DIY investing in retirement and discuss when working with a full service advisory team may begin to add meaningful value.You will learn about the typical traits and concerns of retirement DIY investors, including tax efficient decumulation strategies, CPP and OAS timing, estate planning complexities, and retirement income design. We also discuss the major advantages of DIY investing such as lower costs and full control, along with several hidden risks that become increasingly important later in life.We also outline 10 things retirees should expect from a high quality advisory relationship, including tax planning, estate coordination, behavioral coaching, personalized service, and long term retirement strategy integration.This episode is for DIY investors, retirees, and pre-retirees who want to better understand the tradeoffs between managing retirement independently and partnering with a professional advisory team. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca⁠Value of Personalized Advice⁠

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMost investors understand they pay fees, but very few realize how dramatically investment costs can reduce long term retirement wealth.In this episode of Retiring Canada, we break down the different types of investment fees Canadians may be paying and how these costs quietly erode portfolio growth over time.You will learn the difference between advisory fees and investment fees, how MERs and trading expense ratios work, and several hidden costs investors rarely see or fully understand. We also discuss cash drag, securities lending, taxable fund distributions, and how certain fund structures can create unexpected tax consequences for retirees.We also walk through real world examples showing how even a 1% difference in investment fees can result in hundreds of thousands of dollars of lost wealth over a long retirement.This episode is for Canadian investors and retirees who want a clearer understanding of investment costs and how to better protect the long term growth of their retirement portfolio. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caSPIVA Canada Luck Vs Skill in the Cross-Section of Mutual Fund Returns  

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedThe TFSA may be the most valuable investment account available to Canadian retirees, yet many investors are unknowingly using it in a way that limits its long term potential.In this episode of Retiring Canada, we discuss how retirement investors can optimize their TFSA strategy and why investment decisions inside the account can have an enormous impact over time.You will learn why many retirees may be investing their TFSA too conservatively, how different account types should work together within a retirement plan, and how compounding can create dramatically different outcomes over a 20 to 30 year retirement. We also walk through real examples comparing balanced portfolios versus globally diversified equity portfolios using historical return assumptions.We also discuss four major mistakes that can derail long term TFSA growth, including high investment fees, poor investment decisions, emotional reactions during market volatility, and working with advisors who fail to provide meaningful planning value.This episode is for Canadian investors and retirees who want to better understand how to maximize the long term value of their TFSA and integrate it properly into a broader retirement strategy. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caDimensional 60/40 Portfolio Dimensional Global Equity Portfolio  

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedScams and fraud attempts are becoming more sophisticated, more emotional, and more dangerous, especially for retirees and older Canadians.In this episode of Retiring Canada, we discuss several common scams retirees need to be aware of and the warning signs that can help protect your money and identity.You will learn how investment scams, CRA impersonation scams, and grandparent scams typically work, along with the emotional tactics fraudsters use to manipulate victims into making quick decisions. We also explain why urgency and emotional reactions are often the biggest red flags when it comes to fraud attempts.We also discuss practical ways to protect yourself, including scam call filters, trusted contact people, and why getting a second opinion before sending money or sharing information can make all the difference.This episode is for retirees, pre-retirees, and families who want to better protect themselves and their loved ones from increasingly sophisticated scams and fraud schemes. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caGovernment of Canada A-Z Fraud Index 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany Canadians are surprised to learn that owning certain U.S. assets could expose their estate to U.S. estate tax filing requirements and potentially significant taxes.In this episode of Retiring Canada, we discuss how U.S. estate tax works, which assets may create exposure, and the planning strategies Canadians should consider to help reduce potential risks.You will learn how U.S. real estate and directly held U.S. stocks are treated for estate tax purposes, the two key questions that determine potential exposure, and why upcoming changes to U.S. estate tax exemptions in 2026 may impact more Canadian families than many realize. We also explain how Canadian listed ETFs and mutual funds are treated differently than directly held U.S. securities.We also cover several planning strategies that may help mitigate exposure, including ownership structuring, tax treaty considerations, insurance solutions, and ongoing estate monitoring.This episode is for Canadians who own U.S. property, directly held U.S. investments, or substantial worldwide assets and want a better understanding of potential cross-border estate planning risks. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caUS Estate Tax Calculator  More Information on US Estate Tax 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany Canadians assume their Will and estate plan are in good order, but small mistakes or outdated wording can create major problems for beneficiaries, executors, and families.In this episode of Retiring Canada, we discuss how to review your Will to ensure it actually aligns with your intended wishes and estate goals.You will learn about several real world estate planning scenarios involving executor liability, unequal inheritances, beneficiary designations, and large inheritances being distributed to minors. We also explain how RRIFs, TFSAs, probate, and taxes can interact in ways many families do not fully understand.We also discuss why reviewing your Will regularly and coordinating with legal, tax, and financial professionals can help avoid costly mistakes and unintended outcomes for your heirs.This episode is for Canadians who want greater confidence that their estate plan, beneficiary designations, and retirement assets will ultimately pass according to their true intentions. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedEconomic uncertainty, market volatility, political tension, and negative headlines can create significant stress for retirees and those approaching retirement.In this episode of Retiring Canada, we discuss how retirees can navigate uncertain times while protecting their retirement income, investments, and long term financial security.You will learn the key planning questions retirees should ask themselves during periods of uncertainty, how to protect retirement cash flow, and why managing emotions may be just as important as managing investments. We also discuss sequence of return risk, portfolio positioning, guaranteed income strategies, and the importance of having a flexible retirement plan that can adapt to changing conditions.We also cover the dangers of fear-based decision making, why doing nothing can sometimes be the biggest risk of all, and how prudent retirement planning can help investors stay disciplined during difficult periods.This episode is for retirees and pre-retirees who want greater confidence navigating uncertain markets and building a retirement plan designed to withstand volatility over the long term. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📘 RETIRING IN UNCERTAIN TIMES - EBOOK 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMarket volatility, economic uncertainty, and constant negative headlines can create significant stress for retirees who depend on their investments for income.In this episode of Retiring Canada, we discuss how prudent financial planning can help reduce retirement income risk and provide greater peace of mind during uncertain times.You will learn why risk adjusted returns matter, how diversification can help protect retirement portfolios, and why an investment strategy alone is not enough to create a successful retirement plan. We also explain the concept of bucketing and how separating retirement assets into different pools of money can help retirees manage withdrawals more effectively during market downturns.We also discuss the emotional side of retirement investing, the importance of tuning out financial noise, and why having a coordinated retirement income and tax plan matters just as much as investment performance.This episode is for retirees and pre-retirees who want to better understand how to protect their retirement income and navigate market uncertainty with greater confidence. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caRETIRING IN UNCERTAIN TIMES - EBOOK 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedIn many relationships, one spouse naturally takes the lead when it comes to investments, retirement planning, and long-term financial decisions. But what happens if that person is suddenly gone?In this episode of Retiring Canada, we discuss the challenges couples can face when one spouse handles most of the finances and why both spouses should feel informed, involved, and supported.You will learn why many surviving spouses change advisors after losing a partner, the importance of communication and trust within an advisory relationship, and how proper financial planning extends far beyond simply managing investments. We also share a powerful real world story that highlights the emotional and practical realities families face after the loss of a spouse.We also discuss why DIY investors may face additional challenges in preparing their spouse to confidently manage finances in the future.This episode is for retirees, couples, and families who want to ensure both spouses feel financially informed, prepared, and supported no matter what the future holds. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📘 Surviving Spouse’s leaving their Advisor

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedSaving aggressively for retirement is usually seen as a good thing, but over saving can create a new set of financial and tax planning challenges later in life.In this episode of Retiring Canada, we discuss the hidden issues that can arise when retirees accumulate more wealth than they actually need to sustain their lifestyle.You will learn how large RRSPs, multiple properties, and significant non-registered investments can create future tax problems, OAS clawbacks, and substantial estate tax liabilities if not properly managed. We also explain why tax wise decumulation, income splitting, and long term retirement planning become increasingly important for over savers.We also discuss the emotional side of retirement, including the fear of spending, creating memories with family, charitable giving strategies, and building a lasting legacy.This episode is for financially successful Canadians who want to better understand how to manage abundance, reduce future taxes, and make the most of the wealth they have built over a lifetime. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedHolding too much of a single stock may feel rewarding during the growth years, but entering retirement with an overconcentrated portfolio can create major long term risks.In this episode of Retiring Canada, we discuss the dangers of stock concentration and why diversification becomes increasingly important as retirement approaches.You will learn how company stock plans, stock options, and emotional attachment to investments can expose retirees to unnecessary risk. We also cover real world examples of investors who experienced massive gains and devastating losses due to overconcentration, along with strategies that can help reduce risk while managing tax consequences.We also discuss diversification, globally balanced portfolios, and advanced planning strategies that may help investors transition away from concentrated stock positions more tax efficiently.This episode is for Canadians approaching retirement who want to better understand concentration risk and protect the wealth they have spent decades building. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany retirees are surprised to learn that managing taxes in retirement can become far more complicated once income starts coming from multiple sources.In this episode of Retiring Canada, we break down how different retirement income sources are taxed and why many retirees end up with unexpected tax bills.You will learn how CPP, OAS, RRIF withdrawals, pensions, and investment income are treated differently for tax purposes. We also explain how withholding taxes work, why quarterly installment payments may be required, and how retirees can better manage cash flow throughout the year.We also discuss Canada’s progressive tax system and practical strategies retirees can use to keep more money in their pocket instead of overpaying taxes throughout the year.This episode is for Canadians approaching retirement or already retired who want a better understanding of retirement income taxation and how to avoid common cash flow and tax planning mistakes. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedRetirement is not just about building wealth. It is also about withdrawing your money in the most tax efficient way possible.In this episode of Retiring Canada, we discuss tax wise decumulation strategies and how retirees can reduce taxes throughout retirement while protecting their long term financial future.You will learn how RRSPs, RRIFs, LIRAs, TFSAs, and non-registered accounts work together within a retirement income plan. We also explain why some retirees may benefit from drawing additional funds from registered accounts earlier in retirement, even if the money is not immediately needed for spending.We also cover the impact of mandatory RRIF withdrawals, OAS clawbacks, estate taxes, and why the number at the bottom of your investment statement may not tell the full story after tax.This episode is for Canadians approaching retirement or already retired who want to better understand how to minimize taxes and create a more efficient long term retirement income strategy. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: ⁠https://www.fundamentalwealth.ca/get-started⁠This Holiday Season, Give Yourself the Gift of Peace of Mind in Retirement! The "Fundamental Retirement Plan," or FRP, is our five-step process to crafting a retirement plan tailored to your unique needs and concerns. This season of giving, think of how a little planning now can be the gift that keeps on giving, ensuring your retirement stays on track no matter what surprises come your way.  Specifically, we are going to discuss: The 5-step critical path to a secure retirement How a standalone decision can derail your retirement.  The importance of ongoing monitoring and adjustments when life throws you a curve ball.  Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedDeciding when to start CPP and OAS may be one of the most important retirement income decisions Canadians make.In this episode of Retiring Canada, we walk through several real world scenarios where delaying government pensions created significant long term planning value.You will learn how CPP and OAS timing decisions impact taxes, retirement income, OAS clawbacks, and estate planning. We also discuss the importance of the “tax valley,” why some retirees may benefit from drawing down RRSPs early, and how delaying pensions can help create larger guaranteed lifetime income streams.We also cover why there is no universal answer when it comes to pension timing and how proper retirement planning should consider your entire financial picture, not just investment returns.This episode is for Canadians approaching retirement who want to make more informed decisions around CPP, OAS, taxes, and long term retirement income planning. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedDownsizing in retirement can create more freedom, simplify your lifestyle, and unlock additional retirement income, but it also comes with emotional and financial considerations that should not be overlooked.In this episode of Retiring Canada, we discuss the key factors retirees should consider before downsizing their home.You will learn how downsizing can impact your retirement income plan, the tax considerations around selling a property, and the hidden costs that often come with moving. We also cover important lifestyle questions such as location, future mobility needs, maintenance, hosting family, and whether renting may actually make more sense than owning in certain situations.We also walk through real world examples of retirees navigating vacation properties, bridge financing, and freeing up home equity to support retirement goals.This episode is for retirees and pre-retirees who are considering downsizing and want to make a more informed and confident decision. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedWhat is good retirement advice actually worth and how should retirees measure the value they receive from an advisor?In this episode of Retiring Canada, we break down the four major ways financial advisors can add value beyond simply picking investments.You will learn how personalized planning can improve retirement outcomes through financial planning, portfolio construction, tax strategies, behavioral coaching, and ongoing guidance. We also walk through two real world case studies that highlight how proper advice can improve retirement confidence, reduce taxes, optimize income, and help retirees make better long term decisions.We also discuss why the true value of advice is often difficult to measure until it is experienced firsthand.This episode is for retirees, pre-retirees, and DIY investors who want to better understand the role personalized advice can play in building a more successful retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://www.fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca📘 The Value of Personalized Advice (The Vanguard Group, Inc  - August 2022)   

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedThe first year of retirement may be one of the most important financial transitions of your life. The decisions you make during this period can have a lasting impact on your ability to stay retired long term.In this episode of Retiring Canada, we walk through five major mistakes retirees should avoid in their first year of retirement.You will learn why tax planning is so important during the transition into retirement, how CPP timing decisions can impact your long term income, and why proper asset allocation matters more than many retirees realize. We also discuss retirement income planning, managing market downturns, and the hidden risks of becoming too conservative with your investments.We also explain why, if the numbers work, you should not be afraid to actually enjoy your retirement and your health while you still can.This episode is for retirees and pre-retirees who want to avoid costly mistakes and build a more sustainable and fulfilling retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://www.fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedMany retirees believe being conservative with their investments will protect them, but in reality, it may be one of the biggest threats to their long term retirement success.In this episode of Retiring Canada, we discuss how inflation, taxes, and overly conservative investment decisions can quietly erode your retirement over time.You will learn how inflation impacts purchasing power, why after tax real rates of return matter, and how two retirees with the exact same portfolio can experience dramatically different outcomes depending on how their money is invested. We also explain why market volatility is inevitable and how proper income planning can help retirees stay disciplined during difficult periods.This episode is for retirees and pre-retirees who want to better understand the long term risks of being too conservative and how to build a more sustainable retirement plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedThe years leading up to retirement and the first few years after retiring may be the most important tax planning window of your life.In this episode of Retiring Canada, we discuss what we call the “tax valley” and the strategies retirees should consider during this critical period.You will learn why year end tax planning matters, how delaying CPP and OAS may improve your long term after tax income, and why decisions around RRSPs, RRIFs, TFSAs, and taxable accounts can have lasting consequences throughout retirement. We also cover strategies such as pension splitting, spousal planning, and optimizing tax brackets before mandatory RRIF withdrawals begin.We also explain why retirement planning works best when investment, income, tax, and estate planning are all coordinated together.This episode is for Canadians nearing retirement or recently retired who want to reduce taxes and build a more sustainable retirement income plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedFinancial freedom means different things to different people, but many retirees struggle to find the right balance between time, money, and purpose.In this episode of Retiring Canada, we explore what financial freedom really means and why focusing too heavily on either money or freedom can lead to unhappy outcomes.You will learn how different people approach financial freedom, why accumulating more wealth is not always the answer, and how retirement can create unexpected emotional challenges even for financially successful individuals. We also discuss the importance of purpose, time, and preparing mentally for the transition into retirement.This episode is for pre-retirees and retirees who want to think more intentionally about what a fulfilling retirement truly looks like. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedOne of the most important questions before retirement is simple. How much income will you actually need?In this episode of Retiring Canada, we break down how to estimate your retirement income and what factors can impact that number over time.You will learn how income replacement rates work, why most retirees need less than their pre-retirement income, and the key factors that can increase or decrease your income needs. We also walk through how taxes, savings, debt, and lifestyle choices all play a role in shaping your retirement plan.We also introduce four key principles to help guide a sustainable retirement income plan and explain how income planning connects with your investment and tax strategy.This episode is for pre-retirees and retirees who want a clearer understanding of how much income they need and how to build a plan that will last. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedElections often bring uncertainty and strong opinions, but should they actually influence your investment decisions?In this episode of Retiring Canada, we break down how elections have historically impacted financial markets and what investors should really be paying attention to.You will learn why markets have performed across different political environments, why trying to predict outcomes can lead to poor decisions, and how focusing on long term principles can lead to better results.We also cover key portfolio considerations, including risk tolerance, diversification, and having a structured income plan that can withstand periods of uncertainty.This episode is for investors who want to stay disciplined, avoid emotional decisions, and remain focused on what truly drives long term success. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.caThe Market and US Presidential Elections How US Stocks have Behaved in an Election Month 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedWhen it comes to estate planning, most Canadians focus on saving small amounts in probate fees, while overlooking the much larger tax bill that can impact their estate.In this episode of Retiring Canada, we break down the difference between the “big tax” and the “little tax” and why focusing on the wrong one can lead to costly mistakes.You will learn how income tax at death can significantly impact your estate, along with common probate planning strategies such as joint ownership and naming direct beneficiaries. We also walk through the potential risks and unintended consequences that can arise from these decisions.We also introduce several strategies to help reduce your overall tax burden, including managing withdrawals in retirement, income splitting, and maximizing tax efficient accounts.This episode is for Canadians who want to better understand estate planning and make more informed decisions about how their wealth is passed on. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-startedTwo investors can earn the same return and end up with very different results after tax. The difference often comes down to where their investments are held.In this episode of Retiring Canada, we break down asset location and how placing the right investments in the right accounts can improve your after tax returns.You will learn the difference between asset allocation and asset location, how different accounts are taxed, and how to structure your portfolio across RRSPs, TFSAs, and non-registered accounts. We also walk through a real example to show how this strategy can be implemented in practice.We also cover important considerations such as liquidity, tax consequences, and why a perfectly optimized portfolio may not always be the best approach.This episode is for Canadian investors who want to improve tax efficiency and get more out of their retirement portfolio. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!EPISODE RESOURCES:📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question🌐 Retiring Canada Website: https://www.retiringcanada.ca