Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

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

Join Regan Schiller as he interviews Tom Vowell, Retired Vice President and Private Wealth Manager at Investors Group. They discuss many topics including:

- Transitioning into retirement, in a good way - How to know when it's the right time to retire - How to enjoy everyday life while also planning for retirement

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

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

Television commercials about retirement often depict dream vacations, endless bowling games, luncheons with the ladies, or playing cards with friends in the middle of the afternoon. They show scenes of freedom and fun, but retirement can be a nightmare for some.

Answering a few questions for yourself now (or at least starting to think about them) can be a great way to make sure your retirement feels great.

In this episode we talk about what nobody talks about when it comes to retirement.

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

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

Managing your personal finances and money can sometimes require outside aid. However, deciding what kind of financial assistance is required can be difficult. The main decision that individuals need to consider when searching for financial support is the kind of professional that suits their needs best. 

Two common choices are financial coaches and financial advisors, each of which has unique techniques and benefits to offer when managing finances. Deciding which professional to employ is an important decision, and understanding what each of them does will help you make a decision that suits your financial needs.

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

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

Regan sits down with psychologist, Graeme Clark to chat about some of the psychological challenges we face when transitioning into retirement. Some of the topics they discuss include:

• How men and women differ when transitioning into retirement.
• How to create a social network prior to retiring.
• Healthy habits and other factors that contribute to a successful retirement.

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

Thanks for tuning in to Your Canadian Retirement Specialist!

Regan’s Social Links: 

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

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

Website: https://schillerandassociates.com/ 

Get in touch with Graeme Clark:

LinkedIn: https://www.linkedin.com/in/graeme-t-clark

Website: rivercitycoaching.ca

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.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA

Popular wisdom suggests that as people accumulate wealth their need for life insurance decreases. However, permanent life insurance is a financial tool with unique tax benefits.

Many affluent families find significant value by using life insurance to protect and even enhance their wealth.

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA

Changes to Canadian tax law sometimes creates myths around what can and can’t be done to lower a tax bill.

This is the case with income splitting, which many Canadians now believe can’t be done.

The good news is that income splitting is still a strategy that families can use to save money annually.

If you and your spouse are looking for ways to lower the amount you pay in income tax, then income splitting might be the ideal solution for you.

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA

In this episode, Regan Schiller and Stephen Struthers sit down to discuss some of the common mistakes and misbeliefs and of pre-retirees, and how to avoid them. 

Regan’s Social Links: 

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.

Stephen’s Social Links: 

Linkedin - https://www.linkedin.com/company/struthers-wealth-management/   or https://www.linkedin.com/in/stephenstruthers/  

Facebook - https://www.facebook.com/StruthersWealthManagement/  

IG Consultant Page - https://advisor.investorsgroup.com/en/stephen_struthers 

Stephen Struthers is a CERTIFIED FINANCIAL PLANNER professional, Chartered Life Underwriter, and Registered Retirement Consultant. He is an Executive Financial Consultant licensed under Investors Group Financial Services 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.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA

Many people designate a beneficiary of their RRSP, RRIF, TFSA or insurance policies without giving it a second thought. However, there are many cases where designating a direct beneficiary is not recommended.

Today's episode is a bit of a “cheat sheet” as to when direct beneficiary designations should - and should not - be used.

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA

Many people seek the recommendations of a financial advisor to determine where to put their money, but it’s equally important for a financial advisor to provide you with a strategy for withdrawing from those sources. Your withdrawals can impact your tax bracket, taxes at death, and other essential components of your financial plan. 

Let's take a closer look at some of your potential retirement funds. Then, we’ll turn to one account in particular, the RRIF (Registered Retirement Income Fund), to learn how to maximize your withdrawals, minimize your tax payments, and ensure your wealth is maximized. 

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

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.

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 and Old Age Security can be found at:

www.canada.ca/en/services/benefits/publicpensions.html.

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

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement

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

Join Regan Schiller as he interviews Gary Rabbior, President of the Canadian Foundation for Economic Education (CFEE). They discuss many topics including:

• Financial Education opportunities for Canadian teens and young adults
• How parents can start discussing finances with their children
• The future of financial education in schools

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

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.