Many retirees believe playing it safe means avoiding market risk—but that fear-driven approach can quietly limit your lifestyle in retirement. In this episode, Joe Curry explains why inflation and longevity are often bigger threats than volatility, and how guaranteed income, smart spending clarity, and the RISA framework can help you retire with confidence.

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/

• Instagram: https://www.instagram.com/retirement_planning_simplified

• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog

• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Many high-net-worth Canadians discover that spending money in retirement is harder than saving it. In this episode, Joe Curry explores the psychology behind underspending, the risks of overspending, and how a personalized retirement income plan can give you the confidence - and permission - to enjoy the life you worked so hard to afford.

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this mailbag edition, Joe Curry answers five of the most common retirement planning questions Canadians ask—covering retirement income planning, target asset allocation, RRSP-to-RRIF withdrawal strategies, and tax-efficient investing. You'll learn how to estimate what you actually need in retirement, avoid rules-of-thumb mistakes, and make smarter choices about withdrawals, taxes, and where your investments are held.

Resources

• To request a link to fill out the Retirement Income Style Assessment (RISA), or to submit your own questions (perhaps they will end up in our next mailbag episode!), email us at [email protected]

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

If your retirement plan feels boring, that might actually mean it's working. In this episode, Joe Curry explains why disciplined, boring retirement planning leads to better long-term outcomes — and how chasing excitement, headlines, or FOMO can quietly derail your retirement income strategy.

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Knowledge alone won't get you through retirement — action will. In this New Year's episode, Joe Curry explains why clarity, testing assumptions, and taking intentional steps matter more than consuming endless retirement content, and how you can turn 2026 into a year of momentum and confidence.

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this special year-end episode of Your Retirement Planning Simplified, Joe Curry breaks down the five biggest retirement lessons listeners cared about most in 2025. From tax-efficient retirement income planning to mindset, health, and purpose after work, this episode highlights what truly matters for a confident Canadian retirement.

Resources

Retirement Planning Simplified Blog

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode of Your Retirement Planning Simplified, Joe Curry breaks down the 10 assets successful Canadian retirees almost never buy - and why avoiding these common wealth traps can dramatically improve retirement income and peace of mind. You'll learn how high fees, complexity, lifestyle liabilities, and poor planning quietly erode retirement wealth, and what disciplined retirees do instead.

Resources

10 Assets Canadian Retirees Never Buy - And Poor Ones Always Do - Original Youtube Video for Your Retirement Planning Simplified

The Rational Reminder Podcast, hosted by Benjamin Felix and Dan Bortolotti

Your Retirement Planning Simplified Blog

Matthews + Associates Website

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Learn what more than 100 successful Canadian early retirees did differently to make life after work sustainable. Joe Curry breaks down the income systems, bridge strategies, CPP and OAS timing, and flexible RRSP/RRIF withdrawal strategies that turn a portfolio into a reliable retirement paycheck—especially if you're thinking about retiring before 60.

Resources

• Original YouTube video: I Analyzed 100 Early Retirees in Canada - Here's What Worked — on the Retirement Planning Simplified YouTube channel
• Ep #134 – Smart Tax Strategies for More Efficient Retirement Planning Covers withdrawal order, OAS clawback, and tax-efficient retirement income in more depth.
• Ep #123 – Maximize Your RRIF: Tax-Smart Withdrawal Strategies for Retirees Practical guidance on RRIF withdrawals and minimizing tax in later retirement.
• Ep #157 – How to Delay CPP to Age 70 Without Sacrificing Retirement Income Shows how to bridge income so you can delay CPP for higher, inflation-indexed benefits.

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

In this episode of Your Retirement Planning Simplified, you will gain insight into the optimal withdrawal order for Canadian retirement accounts — RRSP first, CPP/OAS later, TFSA last. This sequencing can save you tens of thousands in taxes. Joe explains how strategic timing creates more flexible, tax-efficient income and a more secure retirement plan.

Resources

YRPS Blog: What Should You Withdraw First: RRSP, CPP, or TFSA? https://retirementplanningsimplified.ca/blog

Original Youtube Episode: RRSP vs CPP vs TFSA: What Should You Withdraw First

Matthews + Associates: Retirement Planning Process

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.

Naming beneficiaries and successors might seem simple, but one wrong designation can lead to tax headaches, probate delays, or unfair outcomes for your heirs. In this episode, Joe Curry explains how to properly name beneficiaries across your RRSPs, RRIFs, TFSAs, and non-registered accounts — and how to avoid common estate planning pitfalls that could cost your family thousands.

Key Takeaways

Beneficiary vs. Successor — know the difference. A beneficiary receives the account value after death, while a successor (available only to spouses) continues the account tax-free and without interruption.

RRSPs and RRIFs carry hidden tax traps. Non-spouse beneficiaries may get the full payout, but the estate — and the executor — must handle the tax bill.

TFSAs can pass on tax-free growth — but only with the right setup. Naming your spouse as a successor holder preserves the tax-free status; naming them as a simple beneficiary does not.

Non-registered accounts and property often go through probate. Joint ownership or trust structures can help avoid delays and additional costs.

Keep designations up to date. Life changes — and so should your beneficiaries. Ensure account designations align with your will to avoid confusion or accidental disinheritance.

Resources

Matthews and Associates – Book a Beneficiary Review Call

Retirement Planning Simplified Blog

Related RPS Podcast Episodes:

Ep 92 – Paying for Promises: An Evidence-Based Look at Segregated Funds with Mark McGrath

Ep 110 – Estate Planning Fails: Real Stories of What Can Go Wrong with Ellie Muir (Clear Estate)

Thank you for listening!

You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog

Don't forget to like, comment, and subscribe for more simplified retirement planning insights!

Ready to take the next step?

Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12

Want a retirement plan that adapts as your life evolves?

Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.

Learn more here: https://matthewsandassociates.ca/vsl/

About Joe Curry

Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada's fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it's about creating meaningful experiences with loved ones and fostering opportunities for the future.

You can reach out to Joe through:

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

Website: https://www.retirementplanningsimplified.ca/

Website: https://matthewsandassociates.ca/vsl/

About Retirement Planning Simplified

Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.

To know more about RPS you can visit the links below:

• LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
• Instagram: https://www.instagram.com/retirement_planning_simplified
• Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
• Youtube: https://www.youtube.com/@retirementplanningsimplified

Disclaimer

Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.