The post discusses tax strategies for retirement, particularly how a low-taxed early retiree can contribute to a higher-taxed spouse’s RRSP, generating tax benefits. It outlines the advantages of RRSPs and TFSAs, the importance of tax credits at age 65, and encourages employing retirement calculators for optimal cash flow planning.
Matching your investment portfolios to your retirement cash flow plan.
It appears to be an overlooked part of retirement planning. While we should always invest within our risk tolerance level we should also match our investment portfolios to the retirement cash flow plan. The plan gives the marching orders for each account. If you create a portfolio-to-plan mismatch, you could increase the risk of depleting […]
The 101, how to create a retirement cash flow plan using MayRetire.
It’s imperative that retirees embrace an optimized retirement cash flow plan. Over decades, these plans can often “find” tens to hundreds of thousands of dollars of income. And out of the gate, a retirement cash flow plan addresses a retiree’s number one concern – the fear of running out of money. The cash flow plan […]
Globe & Mail Retirement Cash Flow Review. Relying on inheritance.
The Globe & Mail offers ongoing real-life retirement funding (cash flow plan) scenarios. They also invite a financial planner to offer their opinion. They call the series Financial Facelift. A recent article caught my eye. I thought I would give it a go using a popular free use retirement software that allows DIY retirees and […]
Canadian and international stocks wow in February and in 2026.
So much for the February blahs. Canadian stocks delivered some February wows. We can add in international developed and international developing markets as well. The U.S. market stays in the basement where it resided in 2025. For the month, the TSX added 6.9%, marking its biggest monthly gain since November 2020. The Toronto market has […]
Giving up trips to Portugal in your sixties to fund nursing care in your nineties?
Retirement planning introduces many difficult questions, and some very interesting and meaningful trade-offs. Including, how much should you sacrifice your high-quality go-go years in retirement to fund your expensive no-go years that might arrive in your 80’s and continue into your 90’s and perhaps beyond? For many, residence and healthcare costs can skyrocket late in […]