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
Articles
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.
July 10, 2026
Final Working Year Decisions Before Retirement
The final year before retirement is not just another salary year. It is a compressed planning window where compensation timing, pension elections, benefits deadlines, and early retirement cash flow can start affecting each other.
July 4, 2026
5 Retirement Tax Surprises That Catch Canadians Off Guard
Many retirees expect taxes to ease once employment income stops. In practice, pensions, CPP, OAS, RRIF withdrawals, dividends, and capital gains can begin stacking on the same return in ways that are easy to underestimate.
June 26, 2026
How to Use the Bridge Years Before CPP and OAS
Retiring before CPP and OAS start can create a short period of unusually low taxable income. Used carefully, those bridge years may be an opportunity to reduce future RRIF pressure and smooth lifetime tax.
June 18, 2026
Retirement Planning by Age: What Changes at 55, 60, 65, 70, and 71
Many Canadians still picture retirement as a single date on the calendar. In practice, it works more like a sequence of planning stages. Certain ages open up new options, others close off deferral opportunities, and some create mandatory decisions whether you feel ready or not. That distinction matters because retirement income is not just about […]
June 14, 2026
Retirement Planning Is a Coordination Problem, Not a Savings Number
Many retirement plans begin with a target: $1M, $2M, maybe more. That number matters, but it rarely answers the question people are actually trying to solve. Retirement isn’t one math problem. It’s a series of linked decisions about spending, government benefits, withdrawals, taxes, and account structure. The order of those decisions matters. Two households can […]
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August 27, 2026 Portfolio vs Retirement Plan
August 27, 2026 Retirement Cash Reserve
August 11, 2026 Can $2.4M Fund $140,000?
August 5, 2026 Retirement Surplus Planning