Episodit
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Most couples spend years planning for retirement together. Far fewer spend time planning for the financial reality that may follow when one spouse passes away.
In this episode of Retiring Canada, we discuss seven financial challenges that can impact the surviving spouse, and the strategies couples can implement today to help reduce those future risks.
You will learn how the loss of CPP and Old Age Security benefits can affect retirement income, why pension income splitting disappears, how RRSP and RRIF assets can create future tax problems, and why many surviving spouses face higher marginal tax rates and potential OAS claw-backs. We also discuss property decisions, estate planning considerations, tax efficient drawdown strategies, and the importance of coordinated retirement planning.
We also explain why some of the most valuable retirement planning decisions are made years before they are ever needed and how proactive tax planning can help create more flexibility and peace of mind for both spouses.
This episode is for Canadian retirees, pre-retirees, widows, widowers and couples who want to better understand the financial realities that often emerge after the loss of a spouse and how to prepare for them today.
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As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Many parents and grandparents want to help their children financially during their lifetime or thorough their estate. But what happens when concerns arise about a child's spouse, marriage or potential future relationship breakdown?
In this episode of Retiring Canada, we discuss several planning strategies families may consider when gifting money to children while attempting to protect those assets from unintended outcomes.
You will learn the difference between gifting and loaning money, why documentation matters, how separate property rules may apply, and the role domestic contracts can play in protecting family wealth. We also discuss trusts, estate planning considerations, declarations of gift, promissory notes and why these conversations often require both financial and legal guidance.
We also explore the emotional side of family wealth planning and why some of the most important financial conversations are often the most uncomfortable to have.
This episode is for Canadian retirees, parents, grandparents, business owners, and families who want to better understand how gifting and inheritance strategies can impact future generations and family wealth preservation.
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As a thank you, you'll receive a copy of our latestRetirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Puuttuva jakso?
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Many DIY investors do an excellent job building wealth during their working years. But retirement introduces a new set of challenges that go far beyond choosing investments and managing a portfolio.
In this episode of Retiring Canada, we discuss the five most common retirement planning mistakes we see DIY investors make as they approach retirement.
You will learn how overconfidence can create blind spots, why dividend focused portfolios may not be as efficient as many retirees believe, and how excessive cash holdings can quietly impact long term retirement outcomes. We also discuss retirement income planning, tax efficient withdrawal strategies, decumulation planning, any why many successful investors wait too long to seek professional advice.
We also compare fee-based and fee-only financial planning models, outlining the strengths, tradeoffs and ideal use cases for each approach so you can better understand which model aligns with your retirement goals.
This episode is for DIY investors, retirees and pre-retirees who want to better understand the retirement planning gaps that can emerge when managing retirement independently and how to avoid costly mistakes along the way.
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As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Many Canadians spend decades building significant wealth for retirement, only to discover that financial success alone does not automatically create confidence, clarity, or peace of mind.
In this episode of Retiring Canada, we discuss why even financially successful retirees with substantial savings can still feel nervous, uncertain, or overwhelmed as retirement approaches.
You will learn the two major reasons retirees commonly struggle with retirement anxiety, how emotions often influence retirement decisions more than numbers alone, and why true retirement planning extends far beyond simply managing investments. We also discuss the major gaps that exist in much of the wealth management industry, the importance of coordinated tax, income, health care, and estate planning, and how thoughtful retirement planning can help create both financial confidence and personal freedom.
We also explore the emotional side of retirement, including purpose, identity, relationships, and the challenge many highly driven professionals and business owners face when stepping away from their career or life’s work.
This episode is for Canadian retirees, business owners, and pre-retirees who want greater confidence not only in their finances, but also in the next chapter of their life.
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Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter. https://www.retiringcanada.ca/retirement-newsletter
As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started
💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Trusts can be powerful planning tools, but they are alsocomplex, expensive, and often misunderstood.
In this episode of Retiring Canada, we break downhow trusts work, when they may make sense, and when they probably do not.
You will learn the difference between trusts establishedduring your lifetime and trusts created through your will, along with commonuses for business owners, high net worth families, blended families, andfamilies with minor children. We also discuss family trusts, testamentarytrusts, Henson trusts, and key tax considerations that can create unintendedconsequences if not structured properly.
We also explain why most people may not actually need atrust and why a proper cost benefit analysis is essential before moving forwardwith these strategies.
This episode is for Canadians who want a clearerunderstanding of trusts and how they may fit into an estate or retirement plan.
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https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latestRetirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit YourQuestion: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
For many Canadians, their home and vacation property have become some of their largest financial assets. But when it comes time to sell, transfer, or settle an estate, many families are shocked to discover the potential tax consequences attached to those properties.
In this episode of Retiring Canada, we discuss how the Canadian Primary Residence Exemption works and the planning strategies retirees and families should understand when multiple personal use properties are involved.
You will learn what qualifies as a principal residence, why only one property per family unit can generally be designated in a given year, and how choosing the wrong property could result in unnecessary capital gains tax. We also walk through a detailed example involving a family home and vacation property, explain the “plus one” rule, and discuss several overlooked planning considerations involving properties owned before 1972, 1982, and 1992.
We also explore the importance of tracking capital improvements, coordinating with accountants and executors, and why proactive estate and tax planning can help preserve more family wealth over time.
This episode is for Canadian retirees, cottage owners, executors, and families who want to better understand how to minimize taxes and optimize the use of the Primary Residence Exemption.
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EPISODE RESOURCES:
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👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Many Canadians spend decades building their retirement savings but unknowingly walk into a major tax trap once retirement income, RRIF withdrawals, and government benefits all begin colliding later in life.
In this episode of Retiring Canada, we discuss how thoughtful tax planning can help retirees create more flexibility, reduce lifetime taxes, and avoid common retirement income pitfalls.
You will learn how RRSP and RRIF withdrawals impact taxation, why many retirees lose control of their income after age 71, and how OAS clawbacks and income-tested benefits can quietly erode retirement cash flow. We also discuss dividend income, marginal tax rates, the “tax valley” strategy, partial RRIF conversions, TFSA optimization, and why retirement tax planning should be reviewed and adjusted every single year.
We also walk through our year end tax planning process and explain how coordinated planning between investments, taxes, retirement income, and estate goals can help Canadians spend, gift, and donate more confidently throughout retirement.
This episode is for Canadian retirees, pre-retirees, and business owners who want to better understand how proactive retirement tax planning can improve long term retirement outcomes and help avoid unnecessary taxes later in life.
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EPISODE RESOURCES:
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👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Many Canadians believe their estate plan is complete once they have a Will and Powers of Attorney in place. But during difficult times, families and executors often discover important details and instructions are still missing.
In this episode of Retiring Canada, we discuss two commonly overlooked estate planning documents that can help bring clarity, organization, and peace of mind to your family and executor.
You will learn why estate planning should be viewed as part of a broader coordinated financial strategy, when you should review your estate documents, and how a Letter of Instruction and Executor Checklist can help simplify the estate administration process. We also discuss common estate planning gaps, executor considerations, blended family complexity, beneficiary coordination, and why many Canadians unknowingly leave behind confusion despite having legal documents in place.
We also explore the emotional side of estate planning and why thoughtful preparation today can dramatically reduce stress, uncertainty, and conflict for the people you care about most.
This episode is for Canadian retirees, families, and executors who want to better organize their estate plan and ensure their wishes are carried out clearly and efficiently.
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EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
📄 Executor Checklist
📝 Letter of Instruction
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Not every retiree wants to leave behind a large estate. For some Canadians, the goal is to fully enjoy retirement, spend confidently, and maximize experiences during their lifetime while leaving a minimal inheritance behind.
In this episode of Retiring Canada, we discuss five key planning considerations for retirees whose goal is to intentionally spend down their retirement savings over time.
You will learn how longevity assumptions dramatically impact retirement planning, why retirement spending often changes through the “go-go,” “slow-go,” and “no-go” years, and how dynamic retirement income strategies may help support higher spending earlier in retirement. We also discuss inflation, long term care costs, housing decisions, home equity planning, and why tax efficient decumulation becomes critically important when the margin for error is smaller.
We also explore the emotional side of retirement planning, including purpose, flexibility, adapting to change, and the deeper question of what it truly means to live well throughout retirement.
This episode is for Canadian retirees and pre-retirees who want to better understand how to confidently spend and enjoy their retirement years while still maintaining a sustainable long term financial plan.
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EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
🔗 2025 Projection Assumption Guidelines - FP Canada
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Tax season can be stressful enough without late slips, CRA reassessments, missing documents, and unnecessary surprises creating even more frustration for retirees and investors.
In this episode of Retiring Canada, we discuss three practical ways Canadians can streamline their tax filing process and reduce the likelihood of errors, reassessments, and missed tax planning opportunities.
You will learn why creating a CRA My Account can simplify your financial life, how a personalized tax slip checklist can help reduce filing mistakes, and why rushing to file your taxes too early may actually increase the risk of reassessments and interest charges. We also discuss common tax filing problems that impacted Canadians in 2025, including delayed T3 and T5 slips, CRA processing issues, and the importance of coordinating with accountants and advisors during tax season.
We also explore how thoughtful tax planning extends beyond simply filing a return and why a proactive retirement planning team should help coordinate taxes, investment accounts, retirement income, and long term planning together.
This episode is for Canadian retirees, investors, and business owners who want to better organize their tax filing process while reducing stress and improving long term tax efficiency.
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EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
📄Your Tax Strategies 2025 Tax Letter - SAMPLE
📝 Spring Tax Slip Checklist - SAMPLE
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
A strong advisor relationship can provide confidence, guidance, and peace of mind for decades. But as life changes and financial complexity increases, there may come a point where the advice you are receiving no longer aligns with your needs.
In this episode of Retiring Canada, we discuss six common situations where Canadians often seek a second opinion on their retirement and financial planning.
You will learn why major life transitions such as retirement, divorce, the death of a spouse, receiving an inheritance, selling a business, or an advisor nearing retirement can dramatically change the kind of planning and support you require. We also discuss the difference between investment management and true wealth management, the importance of trust and communication, and why retirement planning extends far beyond simply selecting investments.
We also explore the emotional side of advisor relationships, the value of long term planning partnerships, and why many Canadians unknowingly outgrow the advice they have been receiving for years.
This episode is for Canadian retirees, business owners, and families who want to better understand when it may be time to seek a second opinion on their financial and retirement plan.
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Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
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EPISODE RESOURCES:
📊 Work with Michael: https://www.fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Retirement income planning is far more complex than simply withdrawing money from investment accounts. Every decision involving taxes, pensions, investments, spending, and estate planning can create ripple effects throughout your retirement.
In this episode of Retiring Canada, we walk through a seven step blueprint for building a tax wise retirement income plan designed to create sustainable income for life.
You will learn how decumulation strategies work, why CPP and OAS timing decisions should never be made in isolation, and how tax efficient withdrawal planning can help reduce lifetime taxes while improving retirement flexibility. We also discuss fixed income and cash wedge strategies, the importance of access to liquidity through retirement, and the significant financial impact that can occur when one spouse passes away.
We also explore the softer side of retirement planning, including the importance of adaptability, ongoing planning reviews, spousal communication, and why successful retirement planning is just as much an art as it is a science.
This episode is for Canadian retirees and pre-retirees who want to better understand how to build a coordinated retirement income plan that can adapt to changing life circumstances over time.
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Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
📘 📝Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice
📜Client Service Standards
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Dividend investing is one of the most popular investment strategies among Canadian retirees, but many investors may not fully understand how dividends impact taxes, diversification, government benefits, and long-term retirement planning.
In this episode of Retiring Canada, we discuss the hidden challenges and blind spots that can arise when building a retirement portfolio heavily focused on dividend paying investments.
You will learn why many dividend investors become overly concentrated in Canadian banks, utilities, and energy companies, how dividend distributions impact taxable income, and why dividend gross up rules can unexpectedly increase your marginal tax rate. We also discuss OAS clawbacks, tax efficient decumulation planning, and why dividend investing may limit your ability to control retirement income and taxes over time.
We also explain the psychological appeal of dividend investing, why dividends are not “free money,” and how proper diversification and retirement planning should extend far beyond simply chasing income distributions.
This episode is for Canadian retirees and investors who want to better understand how dividend focused investing may impact their broader retirement income, tax, and portfolio strategy.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Retirement is one of the biggest financial and lifestyle transitions you will ever make. If 2026 is your target retirement year, the planning decisions you make right now could have a major impact on your long term success and confidence.
In this episode of Retiring Canada, we discuss five important steps Canadians should take if they are planning to retire in 2026.
You will learn why budgeting and spending awareness are crucial during retirement, how to review your investment portfolio for retirement suitability, and why CPP, OAS, pension decisions, and tax wise decumulation planning can dramatically impact your future retirement income. We also discuss estate planning, Powers of Attorney, health care directives, and the importance of building a coordinated retirement plan that goes beyond investments alone.
We also explore the softer side of retirement including purpose, relationships, health, and how gaining financial confidence allows retirees to focus more fully on enjoying the next chapter of life.
This episode is for Canadians planning to retire in 2026 or within the next few years who want greater clarity and confidence about their long term retirement plan.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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This Holiday Season, Give Yourself the Gift of Peace of Mind in Retirement.
Our Fundamental Retirement Plan (FRP) is a simple, five-step framework designed to help you build a retirement plan that reflects your goals, your lifestyle, and your biggest concerns.
As we head into the season of giving, consider how a bit of thoughtful planning today can become the gift that continues to support you year after year, keeping your retirement on track, even when life brings the unexpected.
Want more this Christmas?
Tune in as we break down each step of the FRP process in Episodes 59-64. Perfect listening for a cozy holiday season and a confident year ahead.
Specifically, we are going to discuss:
The 5-step critical path to a secure retirementHow a standalone session can derail your retirementThe importance of ongoing monitoring and adjustments when life throws you a curve ball.Lastly, I will finish up with some action items to help address some potential shortfalls in your current plan.
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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
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Market crashes are not a matter of if. They are a matter of when. The real question for retirees is whether their portfolio and retirement plan are prepared to withstand the next major downturn.
In this episode of Retiring Canada, we discuss how retirees and pre-retirees can prepare their retirement portfolio for future market volatility without relying on predictions or trying to time the market.
You will learn why diversification, low investment costs, asset allocation, and proper retirement income planning all play critical roles during periods of uncertainty. We also discuss small cap value investing, cash wedge and bond ladder strategies, spending flexibility during downturns, and why having a coordinated financial plan can provide confidence during difficult market environments.
We also explain the psychological side of investing, why fear based financial decisions can become dangerous during market drawdowns, and how retirees can better tune out the noise when uncertainty inevitably arrives.
This episode is for Canadian retirees and investors who want to better understand how to structure a retirement portfolio designed to withstand market crashes while supporting long term retirement income needs.
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Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
For many affluent Canadians, the biggest financial opportunity is not necessarily earning higher returns. It is improving tax efficiency and keeping more of what you have already built.
In this episode of Retiring Canada, we break down five powerful tax planning strategies commonly used by wealthy Canadians, incorporated professionals, retirees, and business owners.
You will learn how corporations can be used for income splitting and investing retained earnings, why proper TFSA optimization can dramatically impact long term wealth, and how thoughtful RRSP and RRIF drawdown strategies may help reduce lifetime taxes and improve retirement outcomes. We also discuss tax efficient portfolio construction, capital gains versus interest income, charitable giving strategies, trusts, estate planning, and the importance of coordinating investment, tax, and legal planning together.
We also explain several commonly overlooked planning opportunities that may help retirees and business owners legally reduce taxes while protecting and growing long term family wealth.
This episode is for Canadian retirees, incorporated professionals, business owners, and high income earners who want to better understand how coordinated tax planning can help preserve more of their wealth over time.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Many successful Canadians build significant wealth through real estate, but retirement often introduces a difficult question: should you continue managing your properties, or is it time to simplify?
In this episode of Retiring Canada, we discuss the financial and lifestyle considerations involved with divesting a real estate portfolio during retirement.
You will learn the key reasons retirees may choose to hold onto rental or commercial properties, the situations where selling may make more sense, and how these decisions can impact retirement income, taxes, estate planning, and long term financial security. We also walk through five important questions retirees should ask themselves before deciding whether to keep or sell their properties.
We also discuss Michael’s personal experience owning rental property, the hidden cost of time, and why retirement planning decisions often involve both financial and emotional considerations.
This episode is for Canadian retirees, business owners, and real estate investors who want to better understand how property ownership fits into a sustainable long term retirement plan.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Building a retirement portfolio is about far more than simply picking investments. The structure, tax efficiency, and location of those investments can have a major impact on your long term retirement success.
In this episode of Retiring Canada, we discuss the key principles behind constructing a retirement portfolio designed to support sustainable income, tax efficiency, and long term growth.
You will learn the difference between asset allocation and asset location, why the placement of investments across RRSPs, RRIFs, TFSAs, and non-registered accounts matters, and how proper portfolio construction can improve after tax retirement outcomes. We also discuss market volatility, retirement income planning, equity exposure, bond positioning, and how retirees can build portfolios designed to weather periods of uncertainty.
We also walk through a detailed real world retirement portfolio example to demonstrate how investment structure, tax planning, and retirement income decisions all work together within a comprehensive retirement plan.
This episode is for Canadian retirees and pre-retirees who want to better understand how thoughtful retirement portfolio construction can help create a more sustainable and tax efficient retirement strategy.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
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Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started
Choosing a retirement planning team is about far more than simply opening investment accounts. It is about building a long term relationship with professionals who understand your goals, values, family, and financial future.
In this episode of Retiring Canada, we walk through what new clients can expect during their first year working with our team after completing the Fundamental Retirement Plan process.
You will learn how our team approach works, what happens during the account transition process, how we coordinate with accountants and lawyers, and why communication and proactive planning are such important parts of the client experience. We also discuss the importance of in person relationships, ongoing meetings, tax planning reviews, and the month by month implementation process that takes place during a client’s first year.
We also share the deeper purpose behind the podcast, the Fundamental Retirement Plan, and the vision of creating a retirement planning experience that truly puts retirees and their families first.
This episode is for Canadians looking for a more coordinated, proactive, and relationship driven approach to retirement planning and wealth management.
WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.
https://www.retiringcanada.ca/retirement-newsletterAs a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!
EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter
👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide
✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question
🌐 Retiring Canada Website: https://www.retiringcanada.ca
Sample of Client’s First Year
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