Retirement readiness is not really tangible.  If you think about it, we use dates, ages. rules and money to make our target retirement date more tangible.  For example: In the pension wor… [more]

Should folks in or nearing retirement buy an annuity? If so, what’s the best time to pull the trigger on that purchase? Generally, I'm not a big fan of annuities, especially when interest rates a… [more]

Updated Nov 23, 2018 with 2019 rates In June 2016, the Minister of Finance announced an agreement in principle with the provinces that would “strengthen the Canada Pension Plan (CPP) for future g… [more]

My long-time clients, Norm and Mary, suffer from extreme retirement anxiety. They don’t have to stress about their retirement as they’ll have more money than they’ll ever need – yet they worry… [more]

Retirement income planning for Canadian non-resident expatriates can be difficult. Let's consider some of the implications of receiving CPP/QPP, OAS, RRSP and pension income in retirement. CPP/QPP… [more]