Retiring Canada – Détails, épisodes et analyse

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

One of the most important questions before retirement is simple. How much income will you actually need?

In this episode of Retiring Canada, we break down how to estimate your retirement income and what factors can impact that number over time.

You will learn how income replacement rates work, why most retirees need less than their pre-retirement income, and the key factors that can increase or decrease your income needs. We also walk through how taxes, savings, debt, and lifestyle choices all play a role in shaping your retirement plan.

We also introduce four key principles to help guide a sustainable retirement income plan and explain how income planning connects with your investment and tax strategy.

This episode is for pre-retirees and retirees who want a clearer understanding of how much income they need and how to build a plan that will last.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Elections often bring uncertainty and strong opinions, but should they actually influence your investment decisions?

In this episode of Retiring Canada, we break down how elections have historically impacted financial markets and what investors should really be paying attention to.

You will learn why markets have performed across different political environments, why trying to predict outcomes can lead to poor decisions, and how focusing on long term principles can lead to better results.

We also cover key portfolio considerations, including risk tolerance, diversification, and having a structured income plan that can withstand periods of uncertainty.

This episode is for investors who want to stay disciplined, avoid emotional decisions, and remain focused on what truly drives long term success.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

The Market and US Presidential Elections 

How US Stocks have Behaved in an Election Month 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Non-registered accounts are one of the most flexible investment tools in Canada, but they are also one of the most misunderstood.

In this episode of Retiring Canada, we break down how non-registered accounts work and how they are taxed.

You will learn the three types of taxable income inside these accounts, including interest, dividends, and capital gains, and how each one impacts your after tax return. We also cover planning strategies such as asset location, spousal loans, and how to structure your investments to reduce taxes over time.

We also explain how non-registered accounts can impact your government benefits and highlight a common mistake that can increase your tax bill if not planned for properly.

This episode is for Canadian retirees and pre-retirees who want to better understand how to use non-registered accounts as part of a tax efficient 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-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

****The 2024 Federal Budget released a day after this episode went live impacts some of the content, specifically regarding Capital Gains Inclusion Rates. Click here to learn more***

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

How much are you really paying your financial advisor and are you getting value for it?

In this episode of Retiring Canada, we break down how advisory fees work in Canada and what you should expect in return.

You will learn the difference between commission based and fee-based models, the typical range of fees, and how investment costs factor into your overall plan. We also walk through what real advisory value looks like beyond investments, including tax planning, retirement income, estate planning, and ongoing guidance.

We also share a real-world example of how strong financial advice can add significant long-term value and why focusing only on cost can lead to poor decisions.

This episode is for Canadians who want to better understand what they are paying for and how to evaluate the value of financial advice.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Alternative investments are becoming more common in retirement portfolios, but many Canadians are unsure how they work or whether they should use them.

In this episode of Retiring Canada, we break down the basics of alternative investments and how they may fit into your overall financial plan.

You will learn the different types of alternative investments, including private equity, private credit, and real estate, along with how they can impact diversification, risk, and long term returns. We also cover the potential risks involved and who may be a good fit for these types of investments.

This episode is for Canadian retirees and pre-retirees who want a clearer understanding of how alternative investments may play a role in their portfolio.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

SOURCE:   

McKinsey and Company, Oct. 20, 2021. Reports of corporates’ demise have been greatly exaggerated; ICSID.org, Nov. 6, 2021, How many private businesses are there in the United States? 

CPP 2022 Annual Report 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Naming a beneficiary on your accounts may seem simple, but the wrong decision can create serious tax issues and family conflict.

In this episode of Retiring Canada, we walk through the key do’s and don’ts of beneficiary designations in Canada.

You will learn when naming a direct beneficiary can make sense and when it can create unintended consequences. We also cover important scenarios involving minor children, disabled beneficiaries, blended families, and multiple beneficiaries.

We also explain how probate planning decisions can backfire and how taxes can create unexpected problems for both your estate and your beneficiaries.

This episode is for Canadians who want to ensure their estate plan reflects their true intentions and avoids costly mistakes.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

The biggest question most Canadians have before retiring is simple. Will I run out of money?

In this episode of Retiring Canada, we break down how to build a retirement plan designed to give you a clear answer to that question.

You will learn the difference between asset allocation and income allocation, and how combining the two can create a more reliable and understandable retirement plan. We also walk through a simple seven step process to help match your income sources to your expenses and identify any potential shortfalls.

We also explain how small assumptions can have a major impact over time and why clarity and simplicity are key when making long term financial decisions.

This episode is for Canadian pre-retirees and retirees who want a clearer answer to whether their retirement plan will truly hold up 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-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

LINKS: 

Income Allocation Example – Credit Jim Otar 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

One of the most common challenges Canadians face before retirement is simply getting organized.

In this episode of Retiring Canada, we walk through why organizing your finances is one of the most important steps you can take before retiring.

You will learn how simplifying your financial life can lead to better decisions, lower taxes, and a clearer understanding of your overall plan. We also cover the risks of staying disorganized and the gaps that can go unnoticed without a structured approach.

We also share practical tools and steps to help you get started, along with the key benefits of having everything clearly mapped out for both you and your family.

This episode is for Canadian pre-retirees who want more clarity, less stress, and a higher likelihood of long term success in retirement.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

LINKS: 

Clean Your Room 

Get Organized With US  

Map Your Finances  

Wealth Plan Worksheet 

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Being named the executor of a will is an important responsibility. Many Canadians do not fully understand what is involved until the time comes.

In this episode of Retiring Canada, we walk through the key steps and responsibilities of acting as an executor in Canada.

You will learn the first actions to take after someone passes, the essential documents you will need, and the common pitfalls that can create stress, delays, or unexpected tax consequences.

We also cover how to manage estate assets, communicate with beneficiaries, and protect yourself when settling the estate.

This episode is for Canadians who have been named as an executor or expect to be and want a clearer understanding of what to expect.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Receiving an inheritance can be life-changing... but without a plan, it can also lead to costly mistakes.

In this episode of Retiring Canada, we walk through seven crucial steps to help Canadians make smart financial decisions after receiving an inheritance.

You’ll learn how to manage the emotional side of receiving money, why the first decision you make is so important, and how to build the right team to guide you through the process.

We also cover key considerations for married and common-law couples, along with a practical framework to help prioritize what to do next.

This episode is for Canadians who want to protect and make the most of an inheritance while avoiding common pitfalls.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
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