When should you convert your RRSP to a RRIF? In this episode of Your Retirement Planning Simplified, Joe Curry explains the key differences between RRSPs and RRIFs, how RRIF minimum withdrawals work, and why the right timing depends on your retirement income plan, tax strategy, and estate goals. Learn how RRSP meltdown strategies, pension income splitting, and OAS clawback planning can impact your retirement income in Canada.

In this episode of Your Retirement Planning Simplified, Joe Curry explores the most overlooked retirement planning risk: your health. While many Canadians focus on RRSPs, CPP timing, and investment returns, Joe explains why your health span - not just your lifespan - may determine whether you truly enjoy retirement. He breaks down the importance of strength, cardiovascular fitness, nutrition, routine, and social connection in building a fulfilling and independent life after work.

In this rebroadcast of one of our most-listened-to episodes, Joe Curry sits down with Fritz Gilbert, founder of The Retirement Manifesto, to explore the emotional and practical realities of retirement. From retirement income planning to finding purpose after work, this conversation offers valuable insights into how Canadians can prepare for a more fulfilling and intentional retirement.

Joe and Fritz discuss the hidden blind spots many retirees face, why the transition into retirement is often harder than expected, and how planning beyond the numbers can help you build a meaningful life after work.

In this episode, Joe Curry breaks down a common misunderstanding in retirement income planning: why your withdrawals don’t equal taxable income. Learn how non-registered accounts, capital gains, and tax-efficient withdrawal strategies can help you stay in a lower tax bracket and avoid OAS clawbacks.

In this episode, Joe Curry breaks down three essential steps to take immediately after retiring in Canada to avoid costly mistakes. Learn how to optimize your RRSP withdrawal strategy, properly time CPP and OAS, and build a sustainable retirement income plan.

Helping adult children financially is common - but without a plan, it can quietly derail your own retirement. In this episode, Joe Curry walks through a practical framework for balancing generosity with smart retirement income planning, including when to gift, loan, or structure early inheritance.

In this episode, Joe Curry breaks down six costly retirement mistakes Canadians make around CPP timing, RRSP withdrawals, TFSA usage, and OAS clawback. Learn how proper retirement income planning can help you reduce taxes, protect benefits, and create a more efficient, coordinated retirement strategy.

What is an RRSP meltdown strategy, and should you use one? In this episode, Joe Curry explains how intentional RRSP and RRIF withdrawals, CPP and OAS timing, and tax-efficient planning can help reduce lifetime tax and create more flexible retirement income in Canada.

Many pre-retirees underestimate what retirement will actually cost, even when they’ve carefully tracked their spending. In this episode, Joe Curry walks through practical retirement budgeting basics, showing you how to estimate your true lifestyle spending and avoid the most common optimistic assumptions that can derail a retirement income plan.

In this episode of Your Retirement Planning Simplified, Joe Curry explores five of the most common retirement regrets Canadians experience, from underestimating healthcare costs to not having a written retirement income plan. Learn practical strategies to stress-test your retirement plan, manage inflation, and avoid the financial surprises that can derail retirement confidence.

Many Canadian retirees are surprised when their RRIF minimum withdrawals create more income than they actually need. In this episode, Joe Curry shares five smart strategies for using excess RRIF withdrawals - from boosting tax-free savings with TFSAs to helping family, funding lifestyle upgrades, and supporting charitable causes in a tax-efficient retirement plan.

In this episode of Your Retirement Planning Simplified, Joe Curry outlines seven expensive retirement planning mistakes affluent Canadians make in their 60s. From CPP and OAS timing to RRSP and RRIF withdrawal strategies, tax-efficient investing, and purposeful spending, this conversation will help you protect your retirement income plan and avoid costly missteps.

Is it risky to hold all your investments with one wealth management company? In this episode of Your Retirement Planning Simplified, Joe Curry explains how CDIC and CIPF protection work in Canada — and whether “advisor diversification” actually reduces risk. If you’re focused on retirement income planning, tax-efficient investing, and protecting your legacy - this episode will bring clarity.

In this episode of Your Retirement Planning Simplified, Joe Curry sits down with estate planning expert Mark Halpern to discuss tax-efficient investing, charitable giving strategies, and how Canadians can reduce estate tax while building a meaningful legacy. If you’re approaching retirement and want to protect your wealth, optimize your RRSP and RRIF withdrawal strategies, and explore philanthropy in Canada, this conversation is packed with practical insight.

When it comes to CPP and OAS timing, most Canadians ask the wrong question: “What if I die early?”  In this episode, Joe Curry reframes CPP as longevity insurance - a core part of retirement income planning designed to protect you from the real financial risk: living longer than expected and running out of money.

Most retirement plans look fine - until inflation, markets, taxes, and ‘real life’ hit. In this episode of Your Retirement Planning Simplified, Joe Curry explains how to stress test your retirement plan in 2026, why Monte Carlo projections can create false confidence, and how guardrails help you make calmer, tax-smart retirement income decisions when markets get volatile.

Many retirees believe playing it safe means avoiding market risk—but that fear-driven approach can quietly limit your lifestyle in retirement. In this episode, Joe Curry explains why inflation and longevity are often bigger threats than volatility, and how guaranteed income, smart spending clarity, and the RISA framework can help you retire with confidence.

Many high-net-worth Canadians discover that spending money in retirement is harder than saving it. In this episode, Joe Curry explores the psychology behind underspending, the risks of overspending, and how a personalized retirement income plan can give you the confidence - and permission - to enjoy the life you worked so hard to afford.

In this mailbag edition, Joe Curry answers five of the most common retirement planning questions Canadians ask—covering retirement income planning, target asset allocation, RRSP-to-RRIF withdrawal strategies, and tax-efficient investing. You’ll learn how to estimate what you actually need in retirement, avoid rules-of-thumb mistakes, and make smarter choices about withdrawals, taxes, and where your investments are held.

If your retirement plan feels boring, that might actually mean it’s working. In this episode, Joe Curry explains why disciplined, boring retirement planning leads to better long-term outcomes — and how chasing excitement, headlines, or FOMO can quietly derail your retirement income strategy.