If you're feeling the stress of not having your estate planning in order, you are not alone! The stories shared by Ellie Muir, Team Lead of Partner Relations at Clear Estate, highlight the real-life consequences of not revisiting your estate plan and the strain it can put on family relationships. It's time to ensure your legacy is protected and your family is set up for success.

Joe and Regan discuss the top 10 reasons to create a sold retirement plan so that you can navigate this critical phase of life with confidence.

Joe and Lindsay discuss the importance of transparency in financial planning by sharing a recent client story. A couple came to them frustrated by their previous advisor's lack of clarity, unsure whether they could reach their retirement goals.

In Canada, understanding how capital gains are taxed is crucial. Capital gains are a critical aspect of the Canadian tax system for those with assets that have experienced capital gain or loss. We explain capital gains, how it works, and the concept of the inclusion rate, which is another key aspect of determining the amount of tax owed.

We answer a listener's question about balancing RRSP and RIF withdrawals in retirement while minimizing taxes. We highlight the importance of personalized planning, discussing when it makes sense to defer withdrawals for tax-deferred growth and when early withdrawals could help reduce future tax liabilities like OAS clawbacks.

Robin Powell, founder of The Evidence-Based Investor, joins Joe Curry, retirement advisor, to explore the transformative power of evidence-based investing.

Joe speaks with Wade Pfau, a leading expert in retirement income planning. They explore the evolving landscape of retirement strategies, focusing on understanding personal retirement income styles using the RISA (Retirement Income Style Awareness Profile) framework. Wade highlights the significance of aligning strategies with individual comfort levels, discussing approaches like total returns, time segmentation, and income protection.

Joe sits down with Dr. Brian Portnoy to explore the concept of "funded contentment," a revolutionary approach to financial well-being that transcends traditional views of wealth. They delve into the psychological and emotional aspects of retirement planning, emphasizing the importance of aligning financial decisions with personal values.

Joe and Regan discuss lesser-known aspects of retirement planning, focusing on unexpected expenses, psychological adjustments, and the impact of inflation.

We dive into actionable strategies to help you save more money in retirement. From pension income splitting and maximizing tax credits to optimizing RRIF withdrawals and deferring government benefits, we break down key steps to reduce your tax burden and stretch your savings.

We look at the pitfalls of complex investment strategies and emphasize the benefits of keeping things simple. We also discuss the importance of trusting market principles, practicing smart diversification, and avoiding performance chasing.

We discuss the pitfalls of relying on market forecasts and expert predictions during times of market volatility. Emphasizing the inaccuracies of financial forecasts and the psychological tendency to seek out such predictions, they advocate for a disciplined, evidence-based investment approach.

Are you, your children, or your grandchildren dreaming of owning your first home in Canada? The First Home Savings Account (FHSA) might be the right tool to help you achieve that dream. This innovative savings account offers first-time home buyers significant tax advantages and flexibility. Below, we’ll walk you through everything you need to know about the FHSA, from eligibility requirements and contribution limits to tax deductions and permitted investments.

This episode explores the nuances of selecting an advisor beyond proximity, emphasizing the importance of virtual collaboration, comprehensive planning, and evidence-based investment philosophies.

Joe and Regan debunk myths, offer actionable advice, and equip their audience with the tools to make informed financial decisions. Whether it's re-evaluating the role of RRSPs, determining the right time to take CPP, or balancing investment portfolios, this episode is a must-listen for anyone seeking to optimize their retirement strategy.

It’s episode 100!

Joe speaks with Dr. Hal Hershfield, the author of “Your Future Self: How to Make Tomorrow Better Today”. They discuss the idea that our future selves can often feel like different people rather than an extension of our current selves.

Many people who don’t know much about retirement planning still know about the 4% rule. People often assume 4% is the only safe withdrawal rate, asset allocation doesn't matter in retirement, and setting a fixed withdrawal rate is the best strategy. But is it true?

We examine the essential aspects of estate planning, focusing on creating a comprehensive will. We look at choosing the right executor, whether a family member or a professional service, highlighting three key scenarios.

Joe interviews cybersecurity expert Scott Wright, who discusses the critical importance of cybersecurity, especially in protecting financial assets.

Joe explains that while traditional investments like stocks and bonds offer future cash flows, cryptocurrencies rely solely on supply and demand, making them unsuitable for retirees focused on preserving capital and ensuring reliable income. Ultimately, they advise against significant investment in cryptocurrency for retirees, favoring more stable, predictable assets.