Retiring Canada

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

The 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.

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As 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

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🌐 Retiring Canada Website: https://www.retiringcanada.ca

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

Many 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-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

The 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-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

Financial 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-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

One 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-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

Elections 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-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

The 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-started

When 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-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

Two 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-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

Most investors believe they are making the right decisions, but many are following a path that leads to unnecessary stress, higher costs, and lower long term results.

In this episode of Retiring Canada, we compare the typical investor with the transformed investor and highlight the key differences in how they think and make decisions.

You will learn why relying on predictions, short term thinking, and high cost strategies can work against you. We also walk through the traits of a transformed investor, including having a clear plan, focusing on the long term, and using an evidence-based approach.

We also share three key principles all investors should understand to improve their chances of long-term success.

This episode is for pre-retirees and retirees who want to rethink their investment approach and build a more disciplined and effective 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

No one sets out to destroy their retirement, but without a plan, it can happen faster than you think.

In this episode of Retiring Canada, we break down two major risks that can derail your retirement and the strategies you can use to protect yourself.

You will learn how sequence of returns risk and reverse dollar cost averaging can impact your portfolio, especially in the early years of retirement. We also walk through practical strategies such as diversification, income planning, asset location, and maintaining a disciplined withdrawal strategy.

We also cover how having a clear plan in place can help you stay on track during market volatility and avoid costly mistakes that could force you back to work.

This episode is for pre-retirees and retirees who want to better understand the risks to their retirement and how to build a more resilient 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