🔗 Get the full blog post and extra resources here: https://astrafinancial.ca/2026/02/16/should-i-transfer-my-pension/

🔗 Learn more about the Heart of Your Retirement course: https://astrauniversity.ca/heart-of-your-retirement/

Should you transfer your pension at retirement? It depends on 5 key factors. In this episode, Canadian CFPs Zena Amundsen and Nicole Putz break down the exact framework they use with clients to make this pension transfer decision, including real scenarios where they told clients to LEAVE their pension alone and others where they recommended transferring it.

In this episode, we cover:

• The 5 factors that determine whether to move your pension or leave it
• Real client case study: When we said "keep it where it is"
• Real client case study: When coordination became critical
• The pension split strategy for people under 72 (most people don't know this exists)
• Sequence of returns risk and why timing matters as much as returns
• The general contractor framework for retirement income coordination
• How to evaluate fees and value in pension management