Sign up to save your podcasts
Or
Share Retiring Canada
Share to email
Share to Facebook
Share to X
Share to email
Share to Facebook
Share to X
Or
Retiring Canada episodes
- 5 Steps to a Secure Retirement Plan (EP 30)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
A successful retirement is not built on one decision. It is the result of a clear plan where every piece works together.
In this episode of Retiring Canada, we walk through five essential steps to building a secure retirement plan.
You will learn how investment allocation, income planning, tax strategy, health care planning, and estate planning all work together to shape your retirement. We also explain why making decisions in isolation can lead to unintended consequences over time.
This episode introduces a structured framework to help you understand where you stand today and how to stay on track as life changes.
This episode is for pre-retirees and retirees who want more clarity, better decision making, and a more complete approach to retirement 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
17 min - 15 Retirement Mistakes You Will Regret (EP 29)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Retirement is one of the biggest transitions in life, and the mistakes you make along the way can have long lasting consequences.
In this episode of Retiring Canada, we walk through 15 common retirement mistakes that Canadians should avoid.
You will learn how poor financial decisions, lack of planning, and emotional blind spots can impact your retirement. We also cover key areas such as investment decisions, government benefits, estate planning, health, and how you choose to spend your time.
This episode goes beyond the numbers and highlights the real life decisions that can shape your retirement experience.
This episode is for Canadian pre-retirees and retirees who want to avoid costly mistakes and build a more confident and fulfilling retirement.
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
26 min - Hiring a Financial Advisor: 10 Questions to Ask(EP 28)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Choosing a financial advisor is one of the most important decisions you will make, but many Canadians rely too heavily on referrals without doing their own due diligence.
In this episode of Retiring Canada, we walk through 10 key questions you should ask before hiring an advisor or evaluating your current relationship.
You will learn how to assess whether an advisor is acting in your best interest, what level of service to expect, how they are compensated, and whether their approach is comprehensive or limited to one area. We also cover important considerations such as custody of your assets, team structure, experience, and long term succession planning.
This episode is for Canadians who want to make a more informed decision when choosing a financial advisor and ensure they are receiving real value.
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
19 min - Spousal Loan Strategy to Reduce Taxes (EP 27)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
The spousal loan strategy is one of the most effective ways for Canadian couples to reduce taxes, but it only works in the right situation.
In this episode of Retiring Canada, we break down how the spousal loan strategy works and who it may be a good fit for.
You will learn how income splitting can shift investment income from a higher income spouse to a lower income spouse, how to properly set up the strategy, and the importance of the CRA prescribed interest rate. We also walk through a real example to show how the tax savings can add up over time.
We also cover key considerations, including required interest payments, investment returns, and when this strategy may not make sense.
This episode is for Canadian couples with significant non-registered investments who want to explore advanced tax planning strategies.
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
Resources:
Spousal Loan Example
14 min - Non-Registered Account Tax Strategies (EP 26)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Non-registered accounts are one of the most flexible investment tools in Canada, but they are also one of the most misunderstood.
In this episode of Retiring Canada, we break down how non-registered accounts work and how they are taxed.
You will learn the three types of taxable income inside these accounts, including interest, dividends, and capital gains, and how each one impacts your after tax return. We also cover planning strategies such as asset location, spousal loans, and how to structure your investments to reduce taxes over time.
We also explain how non-registered accounts can impact your government benefits and highlight a common mistake that can increase your tax bill if not planned for properly.
This episode is for Canadian retirees and pre-retirees who want to better understand how to use non-registered accounts as part of a tax efficient 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
****The 2024 Federal Budget released a day after this episode went live impacts some of the content, specifically regarding Capital Gains Inclusion Rates. Click here to learn more***
17 min - Advisor Fees in Canada: What Are You Really Paying (EP 25)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
How much are you really paying your financial advisor and are you getting value for it?
In this episode of Retiring Canada, we break down how advisory fees work in Canada and what you should expect in return.
You will learn the difference between commission based and fee-based models, the typical range of fees, and how investment costs factor into your overall plan. We also walk through what real advisory value looks like beyond investments, including tax planning, retirement income, estate planning, and ongoing guidance.
We also share a real-world example of how strong financial advice can add significant long-term value and why focusing only on cost can lead to poor decisions.
This episode is for Canadians who want to better understand what they are paying for and how to evaluate the value of financial advice.
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
17 min - Alternative Investments in Canada: What to Know (EP 24)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Alternative investments are becoming more common in retirement portfolios, but many Canadians are unsure how they work or whether they should use them.
In this episode of Retiring Canada, we break down the basics of alternative investments and how they may fit into your overall financial plan.
You will learn the different types of alternative investments, including private equity, private credit, and real estate, along with how they can impact diversification, risk, and long term returns. We also cover the potential risks involved and who may be a good fit for these types of investments.
This episode is for Canadian retirees and pre-retirees who want a clearer understanding of how alternative investments may play a role in their 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
SOURCE:
McKinsey and Company, Oct. 20, 2021. Reports of corporates’ demise have been greatly exaggerated; ICSID.org, Nov. 6, 2021, How many private businesses are there in the United States?
CPP 2022 Annual Report
17 min - Beneficiary Designations: Avoid Costly Mistakes (EP 23)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Naming a beneficiary on your accounts may seem simple, but the wrong decision can create serious tax issues and family conflict.
In this episode of Retiring Canada, we walk through the key do’s and don’ts of beneficiary designations in Canada.
You will learn when naming a direct beneficiary can make sense and when it can create unintended consequences. We also cover important scenarios involving minor children, disabled beneficiaries, blended families, and multiple beneficiaries.
We also explain how probate planning decisions can backfire and how taxes can create unexpected problems for both your estate and your beneficiaries.
This episode is for Canadians who want to ensure their estate plan reflects their true intentions and avoids costly 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
16 min - Make your Retirement Plan (Almost) Indestructible (EP 22)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
The biggest question most Canadians have before retiring is simple. Will I run out of money?
In this episode of Retiring Canada, we break down how to build a retirement plan designed to give you a clear answer to that question.
You will learn the difference between asset allocation and income allocation, and how combining the two can create a more reliable and understandable retirement plan. We also walk through a simple seven step process to help match your income sources to your expenses and identify any potential shortfalls.
We also explain how small assumptions can have a major impact over time and why clarity and simplicity are key when making long term financial decisions.
This episode is for Canadian pre-retirees and retirees who want a clearer answer to whether their retirement plan will truly hold up 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
LINKS:
Income Allocation Example – Credit Jim Otar
19 min - Get Organized Before You Retire (EP 21)
Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
One of the most common challenges Canadians face before retirement is simply getting organized.
In this episode of Retiring Canada, we walk through why organizing your finances is one of the most important steps you can take before retiring.
You will learn how simplifying your financial life can lead to better decisions, lower taxes, and a clearer understanding of your overall plan. We also cover the risks of staying disorganized and the gaps that can go unnoticed without a structured approach.
We also share practical tools and steps to help you get started, along with the key benefits of having everything clearly mapped out for both you and your family.
This episode is for Canadian pre-retirees who want more clarity, less stress, and a higher likelihood of long term success in retirement.
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
LINKS:
Clean Your Room
Get Organized With US
Map Your Finances
Wealth Plan Worksheet
13 min
About Retiring Canada
From the publisher's feed
The Retiring Canada Podcast helps Canadians make smarter retirement, investing, tax, and financial planning decisions so they can retire with confidence. Hosted by Certified Financial Planner and…
retirement planner Michael Isbister, the show covers retirement income planning, CPP and OAS strategies, RRSP and TFSA optimization, investing, estate planning, tax reduction strategies, and retirement lifestyle planning designed specifically for Canadian retirees and pre-retirees.
Best of Retiring Canada
Ranked by our users in the last 21 days