Peter Boys, Boys Financial Services

Category Archive for: ‘Retirement Planning’

Gaps in Healthcare Costs

healthcare costs

While the principles of the Canada Health Act remain sound, the last 30 years have seen a six-fold increase in …

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Annuities: Enhancing Income for Seniors

Retiring with Annuities

Annuities are an option with today’s low fixed income rates, as seniors are scrambling to find safe investments that offer …

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Crazy Annual RRSP Stampede

Horses

Now that the last minute RRSP stampede is over, I’d like to suggest that there is a better way to …

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Common Investing Concerns Today

Tight Rope Walker

With retirement variables changing, such as, longevity, interest rates and taxes, new investing concerns are popping up that need to …

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Concerned About Debt and Retirement?

Delayed

A recent Manulife Bank survey found that debt is a major concern for many people who are planning for retirement. …

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Farmers and Retirement- Will You Get to Enjoy the Fruits of Your Labour?

Couple In Winter1

In the 44 years I’ve had the good fortune of working with farm families discussing farmers and retirement, I’ve found …

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Caring For Elderly Parents

Fall1

Many Canadian families caring for elderly parents are struggling to fill the gaps left by our already strained public system, …

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Cutting Expenses and Eliminating Debt Painlessly

Smart Pig1

With today’s economic uncertainty, many Canadians are looking for ways to reduce their monthly expenses by eliminating debt. A relatively …

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Retirement Income and Low Interest Rates

Pig And Percent

Low interest rates are hurting retirees trying to generate sufficient income from their savings to cover their living expenses. But …

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Tips and Traps About Income-Splitting for Seniors

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Retirees can split income between the higher and lower income earning spouses. Some income splitting can be done on the …

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Beware the Retirement Risk Zone!

retirement risk zone

The biggest fear for many Canadians in or near retirement is outliving their savings. This is followed by the fear …

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When To Apply for CPP?

Digital Retirement Plan

I’m often asked when to apply for CPP as there is a lot of confusion as to the best time.  …

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The Math Behind A Successful Retirement

Whats Your Plan

One of the perks of holding various industry-related memberships is the luxury of gaining access to proprietary interviews with influencers.  …

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Baby Boomers See Half A Million Retirement Shortfall

Maze1

Canada’s baby boomers are starting to realize they don’t have enough saved for retirement  to maintain a comfortable lifestyle. A …

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Boomer’s #1 Concern Facing Retirement

Save

  We’re living longer than ever, and the prospect of decades spent in old age is keeping some baby boomers …

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Saving and Planning for Retirement

Retirement Plan

When working with clients, we’ve found that families paying off school debts etc. are very real reasons Canadians have difficulty …

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How Much Money You Will Need To Retire

Lady With Pig

The 2013 Summer edition of MoneySense magazine offers a chart on how much money you will need to retire. Naturally, …

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Turn Your Retirement Dreams into Reality!

Couple On Beach1

Don’t simply retire from something; have something to retire to. That’s a profound statement by Harry Emerson Fosdick, who was …

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Income Opportunities For Seniors

Hand In Hand1

  (This article was originally published in the Stettler Weekender, January 2012) With savings accounts and GIC rates near historic …

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Are You Living on Income or Cash Flow?

Retirement This Way

  Ask any retiree what they want from their investments, and they’re likely to give the same answer; income.  That …

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