Author Archives: Retirement Income Speaker & Specialist

Are excess savings in RRSPs going to create a problem for you in the future? In our practice, we quite typically see retirees in receipt of pension incomes, CPP, OAS, — often doubled up in a household — whose core … Continue reading

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The table below shows different asset combinations and the potential average yields that could be generated before fees. It then shows what the actual investor return or yield would be given different fee levels. Obviously, the higher the fees for … Continue reading

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This is continued from our previous blog post on June 19th. Additional Investment Considerations for Your Withdrawal Portfolio There are a number of strategies and considerations that will be beneficial to you in obtaining the maximum benefit from your income-producing … Continue reading

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This is continued from our previous blog post on June 10th. 4.   If the equity selections provide investment returns that will allow you to take profits and replenish the Cash Wedge, it may make sense to renew the GICs … Continue reading

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The “Cash Wedge” is what I call the income delivery process I developed in 1993 and have been using successfully ever since. It helps to address the issues that you cannot control by allowing you to focus on those aspects … Continue reading

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Based on early research of actual stock market returns and retirement scenarios over the past 75 years, it was found that retirees who draw down no more than 4.2 per cent of their portfolio in the initial year and adjust … Continue reading

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Don’t make the decision to retire without knowing that you have the assets you need to fund the lifestyle you seek. This is one of the prime functions of your blueprint. It can help you determine if it is feasible to do … Continue reading

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Have you ever been driving to a destination and found yourself wondering if you had enough fuel to complete the trip? It is a very unsettling and stressful feeling and does not make for an enjoyable journey, for either the driver or … Continue reading

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One change that occurs when you start drawing your retirement income is how tax is paid on the income. During your working years, tax is deducted by your employer and remitted on your behalf. You are left with your net … Continue reading

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Understanding the difference between a tax deduction and a tax credit will enable you and your advisor to apply strategies and employ financial tools to help you reduce the tax you pay on your retirement income. Tax deductions are subtracted … Continue reading

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