A winning stock: keep or sell?
A successful stock can become a large retirement exposure. Comparing sale costs, remaining company risk, and spending needs helps put the decision in context.
October 15, 2026
All posts by: Jacqueline Ozdemir
October 6, 2026
Fixed Pension Retirement Plan
A fixed company pension can provide reliable income while covering a smaller share of retirement spending each year. A year-by-year after-tax income plan shows what your portfolio may need to fund later.
September 23, 2026
CPP Early or Delayed
Starting CPP at 60 when you do not need the income is not automatically conservative. The better choice depends on whether your plan needs more portfolio flexibility now or more indexed income later.
September 17, 2026
Lump Sum or Monthly Pension
A pension commuted value can offer control and flexibility, but the right choice depends on what the monthly pension protects in the rest of your household retirement plan.
September 10, 2026
Five Years Before Retirement: Questions Your Advisor Should Raise
The final five years before retirement are when a household should turn accumulated savings, pensions, and benefits into a coordinated income plan with clear decisions, deadlines, and responsibilities.
August 27, 2026
Portfolio vs Retirement Plan
A portfolio and a long-term projection are important parts of retirement planning, but neither replaces a practical plan for after-tax income, tax coordination, survivor readiness, and implementation.
August 27, 2026
Retirement Cash Reserve
A retirement cash reserve should reflect the spending your portfolio must fund, not an arbitrary percentage of your investments. This framework helps determine the amount, timing and account location.
August 11, 2026
Can $2.4M Fund $140,000?
A $2.4 million portfolio can look reassuring, but whether it supports a $140,000 retirement lifestyle depends on income sources, tax, spending flexibility, and the order of market returns.
August 5, 2026
Retirement Surplus Planning
For households that have saved well, the challenge is not always avoiding a shortfall. It may be deciding how much wealth is needed for security, how much can be used now, and how to plan deliberately for assets likely to remain.
July 17, 2026
Six Retirement Decisions People Often Regret Not Addressing Before 70
The years after work but before CPP, OAS, and RRIF minimums fully stack together can offer valuable planning flexibility. Many retirees later realize they let that window pass without testing how income, tax, spouse coordination, and estate decisions would work together.