Retiring Canada

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 retirement
• How a standalone session 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-started

Market 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-newsletter

As 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-started

For 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-newsletter

As 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-started

Many 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-newsletter

As 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-started

Building 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-newsletter

As 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-started

Choosing 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-newsletter

As 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

Sample of Client’s First Year

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Estate 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-newsletter

As 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-started

Many 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-newsletter

As 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-started

Retirement 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-newsletter

As 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-started

Retirement 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-newsletter

As 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