Retiring Canada

Smart retirement planning isn’t just about investing, it’s about keeping more of what you’ve worked so hard to earn. Step three of the Fundamental Retirement Plan is all about tax planning and it could save you thousands.Specifically, we are going to discuss:-         The difference between tax planning and tax advice-         Common strategies we develop for retirees-         Tax planning for incorporated professionals and business owners. -         The key benefits of tax planning, other than reducing your tax bill-         Our two most impactful client value addsLastly, I will finish up with some action items to help address some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca

Retirement isn’t the end of your income, it’s the start of your most important paycheque strategy.Specifically, we are going to discuss:-       Four crucial aspects to income planning-       How decisions from step 1 impact step 2-       Planning for the go-go years of retirement-       Answering your retirement income concerns-       The single biggest decision during the income planning stepLastly, I will finish up with some action items to help address some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca

Most people enter retirement with a collection of investment accounts but no real plan. In this episode, we break down why your investment allocation sets the tone for every decision that follows, from income and taxes to long-term care and legacy planning.Specifically, we are going to discuss:-       An introduction to the 5 steps in the Fundamental Retirement plan-      Why the crucial first step is Investment allocation-       Understanding if you are being properly compensated for the risk you are taking-       How lack of diversification means you are leaving a lot of quality business on the table,-       Key metrics we review as we diagnose your existing portfolio. -       How decisions you make in your investment allocation cascade into all other areas of your retirement plan. Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca

Could your retirement portfolio be silently underperforming because of cash you didn’t even realize you had? Cash drag may be one of the easiest retirement mistakes to fix—and the cost of ignoring it could be massive.Specifically, we are going to discuss:-  What is cash drag, and how does it impact your retirement nest egg-  Three area’s we find excess cash, some of it hidden- A reasonable buffer to keep in your bank account for ongoing needs-  A misguided reason some may hold excess cash in their investments-  A simple example to put it all together and illustrate what your missing out onLastly, I will finish up with some action items to help address some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca

Thinking about giving your kids money while you're stillalive to see them enjoy it? In this episode, we explore how to gift without jeopardizing your own retirement—and the conversations that need to happenfirst.Specifically, we are going to discuss:-       The two kinds of gifts you can make-       How to set expectations-       A scenario I have come across with a substantial gift in mind-       A hierarchy of financial needs to address with a gift-       The tax implications of a gift. -       Fostering a deeper connection and implementing intergeneration wealth transfer Lastly, I will finish up with some action items to helpaddress some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latestRetirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.ca 

DIY investing might save youmoney—but could it cost you peace of mind in retirement?Before you decide to go it alone, hear the pros, cons, and what most DIY retirees wish they knew sooner.Specifically, we are going to discuss:-       Who is the typical DIY retirement investor-       The 3 core pain points of the Retirement DIY investor-       Four Pros and four cons to DIY investing in retirement-       10 Thing you should expect if you work with an advisor -       How our biases impact our decision making Lastly, I will finish up with some action items to helpaddress some potential shortfalls in your current plan. WANT EVEN MORE RETIREMENT PLANNING TIPS?Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter As a thank you, you’ll receive a copy of our latestRetirement Guide AND MORE! ***EPISODE RESOURCES:📊  Work With Michael💻 Subscribe to the Newsletter👉 Download Our Latest Retirement Guide✏️  Submit Your Question📘  Get a Copy of My Book 🌐 www.RetiringCanada.caValue of Personalized Advice

Are hidden investment fees quietly eating away at your retirement? In this episode, we uncover what you’re really paying—and how to take back control of your financial future. Specifically, we are going to discuss: Understanding the fees you pay – Advisory fee vs investment fee Two fees that are mostly transparent Four hidden fees that drag down your portfolio  A real life example of how a hidden fee can disrupt a retirement plan Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca SPIVA Canada Luck Vs Skill in the Cross-Section of Mutual Fund Returns  

Did you know a few simple tweaks to your TFSA today, could transform your retirement in 30 years? Specifically, we are going to discuss: The first step to optimizing your TFSA account The blanketed approach to investment decisions A balanced investor’s TFSA balance from 2009 to today The impact of changing your plan over the next 30 years 4 decisions that could ruin your TFSA Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca  Dimensional 60/40 Portfolio Dimensional Global Equity Portfolio  

I’ve been targeted by scammers – and you probably have too. Here’s what you need to know to protect yourself. Specifically, we are going to discuss: My own experience being targeted by scammers A quick tip to help cut down on the phone calls and texts Three common scam and fraud schemes we come across One commonality across all scam and fraud schemes you can use to help spot a fraud The importance of having a trusted contact person Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca  Government of Canada A-Z Fraud Index 

Think US estate tax doesn’t apply to you as a Canadian? Think again — you could be in for a costly surprise. Specifically, we are going to discuss: What is the US Estate Tax  Two questions you need to consider to determine if you are required to pay US estate tax Upcoming changes in 2026 that could expose your worldwide estate tax Strategies to consider to help mitigate or eliminate your exposure Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca US Estate Tax Calculator  More Information on US Estate Tax 

Is your will really saying what you think it is? In this episode, we uncover common estate planning mistakes and how to make sure your wishes are carried out. Specifically, we are going to discuss: Potential issues that can arise with an estate Three scenarios I have come across in the last 12 months Considerations you should discuss with your legal counsel Who should be reviewing their will Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca  

Uncertainty is inevitable, especially during the fragile decade surrounding retirement. In this episode, I share practical strategies and critical questions to help you build a resilient retirement plan you can count on—no matter what life throws your way. Specifically, we are going to discuss: The dos and don’ts when retiring during uncertain times Time tested critical planning questions to ask when review your retirement plan The value of a second opinion  A retirement resource library at your disposal A thank you to people who helped get me to episode 50 Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca RETIRING IN UNCERTAIN TIMES - EBOOK 

Retirement income planning is a crucial piece to your overall retirement plan that must be protected!  Through prudent planning that factors in investment, tax and income planning, you too can insulate your retirement nest egg from market draw downs.  Specifically, we are going to discuss: How uncertainty seeps into our day to day lives The importance of tuning out the noise Two crucial planning considerations to reduce the risk to your retirement income. How to brace for an inevitable market downturn Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca RETIRING IN UNCERTAIN TIMES - EBOOK 

Who handles the finances in your household? In this episode, we explore what happens when one spouse takes the lead, how financial responsibilities are divided and key steps to ensure both partners are financially prepared for the future. Specifically, we are going to discuss: How responsibilities are split between spouses.  The probability the surviving spouse will find a new advisor within a year A real-world experience when one spouse passes Understanding what value means to you Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻 Subscribe to the Newsletter 👉 Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐 www.RetiringCanada.ca Surviving Spouse’s leaving their Advisor  

Entering retirement having more than enough to sustain your lifestyle can come with its on set of unique considerations and hurdles that should be well thought out and planned for accordingly.  In today’s episode, we are going to discuss: Three considerations when you have more than enough A real-world example of not having a plan in place Working through the fear of spending in retirement How to create a legacy from your abundance Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.  WANT EVEN MORE RETIREMENT PLANNING TIPS? Join thousands of other Canadians and subscribe to theRetiring Canada Newsletter  As a thank you, you’ll receive a copy of our latest Retirement Guide AND MORE!  *** EPISODE RESOURCES: 📊  Work With Michael 💻Subscribe to the Newsletter 👉Download Our Latest Retirement Guide ✏️  Submit Your Question 📘  Get a Copy of My Book  🌐www.RetiringCanada.ca