Retiring Canada

By Michael Isbister, CFP®

Retirement planning strategies for Canadians delivered in plain English.... more

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FAQs about Retiring Canada:

How many episodes does Retiring Canada have?

The podcast currently has 46 episodes available.

Retiring Canada episodes:

January 07, 2025Ep 44 - Tax Wise Decumulation in Retirement
Explore the intricacies of personal finances as we discuss the nuances of decumulation, the importance of a well-thought-out retirement income plan, and how to navigate the true numbers on your statement to ensure your funds last throughout retirement
Specifically, we are going to discuss:
A simple example about how decumulation works
The nuances of personal finances
A counter argument to this planning strategy
The true number at the bottom of your statement
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
...more
13min
December 24, 2024Christmas Episode – The Fundamental Retirement Plan (Re-Run)
This 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
...more
17min
December 10, 2024EP 43 - Reasons to Delay Government Pensions
Did you know delaying CPP and OAS could save you thousands in taxes and boost your retirement income? In this episode, we dive into real-life scenarios and strategies to help you make smarter decisions about your government pensions.
Specifically, we are going to discuss:
The basics of CPP and OAS
Three real world scenarios
The potential highest tax bracket you will ever be in
How to factor in your overall tax plan
The reality of planning for individuals
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
...more
14min
November 26, 2024Ep 42 - Downsizing in Retirement
Is downsizing in retirement the key to unlocking financial freedom and a simpler lifestyle?
Specifically, we are going to discuss:
The reason’s retirees downsize
The common factors to consider, regardless of your reasoning
Real world scenarios we have helped with in the past
The importance of taking your time
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
...more
13min
November 12, 2024EP 41 - The Value of Personalized Retirement Advice
Retirement advice is in the eye of the beholder – today we dive into the details and explore two case studies that aim to dissect the value of personalized advice.

Specifically, we are going to discuss:
The four types of value you should be receiving
The importance of ongoing planning and advice
Common strategies that add value
Two examples of Retiree’s experiencing value
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:
The Value of Personalized Advice (The Vanguard Group, Inc - August 2022)

📊  Work With Michael
💻 Subscribe to the Newsletter
👉 Download Our Latest Retirement Guide
✏️  Submit Your Question
📘  Get a Copy of My Book
🌐 www.RetiringCanada.ca
...more
21min
October 29, 2024EP 40 - 5 Mistakes to Avoid in Your First Year of Retirement
The importance of the decisions you make in your first year of retirement cannot be understated. Today we're going to discuss 5 mistakes to avoid in your first year of retirement.
Specifically, we are going to discuss:
The importance of having a tax plan
Ways to optimize your retirement income
How proper asset allocation impacts your long-term retirement prospects
The issue with being too conservative
Why if the numbers make sense, you should retire today
Lastly, I will finish up with some action items for you to consider.
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
...more
16min
October 15, 2024EP 39 - Retirements Biggest Threat
Inflation may be retirement’s biggest threat, but with the right strategies, you can protect your income and thrive in these challenging times
Specifically, we are going to discuss:
Turning on the retirement income tap
The impact of inflation and tax on your retirement income
The risk of being too conservative
Why this is the greatest time alive to be an investor
An inevitable truth every long-term retiree must face
Lastly, I will finish up with some action items for you to consider.
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
...more
13min
October 01, 2024EP 38 - Year End Tax Planning for Retirees
As the year comes to a close, it's time to start thinking about tax planning—especially for those of you who are within five years of retirement or have recently retired.
Specifically, we are going to discuss:
The most important time of year for a financial planner vs an accountant
They tax valley retirees MUST plan for
5 strategies we consider during our year-end tax planning
A conflict of interest that can hinder good tax planning
Ways to make a coherent tax plan that considers investment and retirement income planning
Lastly, I will finish up with some action items for you to consider.
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
...more
16min
September 17, 2024EP 37 - Financial Freedom - Finding your Balance
Dive into the concept of Financial Freedom and how to find a balance as you approach retirement. We’ll explore what this means to you, how to strike a balance between wants and needs, and tackle the ever-present “I want more” dilemma.
Specifically, we are going to discuss:
What does financial freedom mean to you?
How to strike a balance,
The “I want more” dilemma
Understanding the great equalizer
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
...more
9min
September 03, 2024EP 36 - Calculating Your Retirement Income
Knowing your number will help you refine your retirement date, your investment and tax plan, government pension start dates and help to unearth potential gaps in your current retirement plan.
The average income replacement rate for people entering retirement
Three common reasons your income needs may increase or decrease in retirement
Four key tenets to guide a 30+ year retirement income plan
Intertwining your retirement income plan with an investment and tax plan.
The first place to start when formulating a retirement income plan and

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
...more
13min

FAQs about Retiring Canada:

How many episodes does Retiring Canada have?

The podcast currently has 46 episodes available.