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Category Archive for: ‘Retirement Planning’

Canada’s Retirement Landscape

Sunny Day1

In Canada’s retirement landscape, few Canadians have the luxury of employer pensions plans that guarantee income for life, wondering where …

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Convert Your RRSP to a RRIF


Baby Boomers, the cohort born between 1947 and 1966, are entering their retirement years.  The average retirement age in Canada …

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Back-to-Back Annuities – An Alternative Fixed Income Option, Part 2

Annuity 21

Yes – you can leave it all behind The insurance aspect of the back-to-back annuity works well for estate planning …

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Annuities – An Alternative Fixed Income Option, Part 1

Annuity 2

Set them up and leave them alone.  That’s the ‘plus’ for these low-risk and high-yield investments that provide a guaranteed …

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When Should I Begin CPP Income?

My Pension Fund

One conundrum for people approaching age 60 is when they should start receiving Canada Pension Plan (CPP) payments. Like the …

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Myths around Death & Taxes

Tax Stress

Though none of us will avoid death or taxes, many of us will be living much longer than Canadians did …

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New Retirement Risks

Breaking The Bank1

We are in a new and uncharted financial era.  More than ever we need to identify the level of retirement …

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TFSA, RRSP, or a life insurance policy?


Should I invest in TFSAs, RRSPs, or a life insurance policy? This is a question I was recently asked by …

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Retirement Challenges in 2012

Ready Set Retire

Unforeseen events may present retirement challenges for baby boomers The time-honored retirement strategies planers have historically used are now being …

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Real Estate Investments

For Sale1

Looking for income? Some other options to consider With today’s stock market volatility and 10 years of no real investment …

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Eliminate Your Debt Before Retirement

eliminate debt

Is Debt Freedom #1 On Your Retirement Bucket List? A recent survey about debt by Manulife Bank revealed that Canadians …

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In Search Of Tax Efficient Income For 2012 and Beyond

I’m getting a lot of calls from people asking what income options are available that offer better returns than GICs …

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Where Do Seniors Find Safe Investments?

Money Growing1

With today’s low interest rates and no increase in sight until 2014 or beyond, there aren’t a lot of guaranteed …

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Canadians Adverse to Risking Retirement Savings

High Speed1

Canadians are renowned for being conservative with their finances.  A recent bank survey found that over 50% were investing in …

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This Year Consider Investing in Segregated Funds

Investment 21

With today’s volatile markets, people are looking for safety in fixed income type products such as savings accounts, GICs, money …

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