Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Canada has one of the world's most reliable pension plan systems. In a 2020 study, Canada ranked 9th out of 39 countries for sustainable and adequate pension programs. Overall, the Canada Pension Plan (CPP) is well run and managed to ensure that the benefit will be sustainable for many generations to come while providing a dignified minimum standard of living. 

Despite this ranking and knowledge, many Canadians face the common fear of not reaping the maximum benefit of their contributions. Consequently, far too many Canadians begin withdrawing from the CPP as early as possible for fear they may pass away without benefiting from the fund. While this attitude is understandable, it's often more harmful than helpful, and in this episode, we'll look at why.

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html.

Music courtesy of LesFM: https://lesfm.net.

Many couples who have a significant difference in income levels, whether married or common-law, seek strategies to help bridge that gap and save on taxes.

The spousal Registered Retirement Savings Plan (RRSP) is a flexible savings option that allows one spouse to share retirement income with their spouse and offers some additional tax savings for the higher income earner.

The main strategy when it comes to Spousal RRSPs is to carefully consider the timing of your contributions and withdrawals to avoid paying unnecessary penalties or increased taxes, which we discuss in detail in this episode.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html.

Music courtesy of LesFM: https://lesfm.net.

In this episode, Regan chats with educator in financial services training, Jason Watt. They discuss the landscape of financial planning education and certification, courses and designations, as well as financial literacy.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Jason Watt:

Twitter: https://mobile.twitter.com/jasonwattbcc

LinkedIn: https://www.linkedin.com/in/jasonwattclu/

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html.

Music courtesy of LesFM: https://lesfm.net.

When it comes to a retirement plan, it’s difficult to know what your target should be. Although some people will tell you there is a specific amount of money you need to have, the reality is that everyone’s retirement needs are distinct. And, beyond that, there is actually a lot to consider before you start trying to calculate what will give you financial independence. After all, someone who plans to travel the world will have very different plans than someone who settles down in a retirement community.

Join Regan as he walks through the main steps in “finding your number.” 

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Thanks for tuning in to Your Canadian Retirement Specialist!

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at https://www.canada.ca/en/services/benefits/publicpensions.html

Music courtesy of LesFM: https://lesfm.net.

You’ve worked hard to build your wealth and you want to take control of your legacy; but where should you start? Every estate plan is different and your plan should address your particular needs. Whether you own a business, have a blended family or share a vacation property, your estate plan should ensure your wishes are clear, your family is protected and your legacy will live on. There are many elements that make up a properly structured estate plan; and many misconceptions about the process as well. 

In this 2-part episode, Regan will clarify what you need to know to create the right plan for your loved ones. Part 1 answers your questions about Wills and Power of Attorney. While Part 2 covers Taxation at Death, Probate Fees and Testamentary Trusts.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Thanks for tuning in to Your Canadian Retirement Specialist!

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at https://www.canada.ca/en/services/benefits/publicpensions.html

Music courtesy of LesFM: https://lesfm.net.

In this episode, Regan chats with Anne Haas, Regional Director at Canada Life. They discuss Permanent Insurance and Estate Planning for Canadians. Life Insurance can be very confusing. We hope that this video will help you better understand Permanent Insurance and how it can positively impact your retirement plan.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government’s website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html.

Music courtesy of LesFM: https://lesfm.net.

You’ve worked hard to build your wealth and you want to take control of your legacy; but where should you start? Every estate plan is different and your plan should address your particular needs.

Whether you own a business, have a blended family or share a vacation property, your estate plan should ensure your wishes are clear, your family is protected and your legacy will live on. There are many elements that make up a properly structured estate plan; and many misconceptions about the process as well. 

In this 2-part episode, Regan will clarify what you need to know to create the right plan for your loved ones.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Music courtesy of LesFM: https://lesfm.net.

As you approach retirement age, you may start imagining that last day at work before retirement. What will it feel like? What will you do next?

In your dreams, your last day of work might involve good food, a decorated cake, balloons, maybe even farewell and thank you gifts as you say ‘goodbye’ to your co-workers. Your last day at work should be a meaningful event deserving of a celebratory day.

But the truth is the majority of Canadians don’t know very far in advance when their last day of work will be. This can lead to retirement shock, a phenomenon experienced more often by those who unexpectedly retire early.

In this episode, Regan gives you five tips to help you avoid or overcome retirement shock.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Music courtesy of LesFM: https://lesfm.net.

In this Episode, Regan sits down with Head of Sustainability at McKenzie Investments, Fate Saghir. to talk about Environmental, Social and Governance (ESG) investing, and how ESG investing can fit into your portfolio. 

Environmental, social and governance (ESG) investing is a strategy you can use to put your money to work with companies that strive to make the world a better place. ESG investing relies on independent ratings that help you assess a company’s behavior and policies when it comes to environmental performance, social impact and governance issues.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Connect with Fate:

LinkedIn: https://ca.linkedin.com/in/fate-saghir

Learn more about Timea’s Cause: https://www.timeascause.com/

With more than 15 years’ experience in financial services, Fate Saghir leads Sustainability at Mackenzie Investments. Fate is also the Chair of the Sustainability Steering Committee and the Head of Mackenzie’s Sustainability Centre of Excellence, dedicated to developing capabilities and enriching technical expertise of environmental, social and governance (ESG) factors in support of corporate strategy, investment management practices and sustainable product offerings. Fate has a Bachelor of Commerce from the University of Windsor and is a Chartered Professional Accountant (CPA, CMA).

Connect with Regan:

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.

Music courtesy of LesFM: https://lesfm.net.

Some see retirement as an end goal in itself. You’ve worked hard your entire life, and now it’s time to relax and enjoy hobbies. Others see retirement as the perfect time to return to that lifelong collection of “one-day” dreams and make them happen. 

If you have been considering turning your passion or hobby into a business after retirement, here are a few important questions to ask and actions to take before you set out on this new adventure.

Comment below with any questions or topics you’d like us to cover! And don’t forget to subscribe for the latest updates.

And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page.

Thanks for tuning in to Your Canadian Retirement Specialist!

Facebook: https://www.facebook.com/yourcanadianretirementspecialist 

LinkedIn: https://www.linkedin.com/in/schillerandassociates

Website: https://schillerandassociates.com/ 

Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.

Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated.

Music courtesy of LesFM: https://lesfm.net.