Peter Boys, Boys Financial Services

Category Archive for: ‘Retirement Planning’

Why The Urgent Need to Plan for Your Wealth Transfer

wealth transfer

We spend a lifetime building our wealth, but we don’t always put the same amount of time and effort into …

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“Pay Cheques & Play Cheques” in Retirement


As legions of Canadian baby boomers approach retirement there is an urgent need for them to develop a customized retirement …

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Retiring? – Should you set up a RRIF or annuity?

RRIF or annuity

The year you turn 71 you will have until December 31 of that year to convert your RRSP into a …

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What’s The Best Age to Start Taking My CPP Payment?


What’s The Best Age to Start Taking My CPP Payment? The Canada Pension Plan withdrawal rules are changing to provide …

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Lessons We Can Learn From the Canada Pension Plan


It’s expected that the CPP will grow to $1 trillion before the middle of this century. Just 17 years ago, …

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Seniors Health Care Costs

health care

For decades, research has documented the implications of the bulge of baby-boomers followed by years of low fertility and smaller …

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Should You Ease into Retirement?

easig into retirement

Instead of taking a more traditional retirement route, some Canadians today are working with their employers to allow them to …

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Are Your Adult Children Draining Your Retirement Savings?


A number of recent surveys show that ever more adult children are returning home to live with their parents. This …

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Bankruptcy – A Big Risk for Today’s Senior

senior couple

Many Canadians approaching retirement today are facing a risk that seemed unimaginable a decade ago, and that is running out …

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What value is financial advice?


It all starts with a consultation: Financial advice can assist you, whether your goal is to reduce debt, buy a …

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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


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?


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


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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