Your Retirement Planning Simplified

In this quick but powerful episode of  Retirement Planning Simplified, Joe Curry explains what every small business owner needs to know before selling a business, especially if retirement is getting close. Joe breaks down two important terms you always hear: EBITDA — used for bigger companies with management teams. SDE (Seller's Discretionary Earnings) — used for most owner-operated businesses und...

In this episode of Retirement Plan Simplified, Joe Curry sits down with Andrea McGinty, founder of It's Just Lunch and 33000Dates.com, to explore how to find love later in life — whether you're divorced, widowed, or simply ready for new companionship. Andrea shares her journey from building one of North America's biggest matchmaking services to coaching thousands of people in their 50s, 60s, and b...

Are you a business owner approaching retirement or just starting to think about a future sale? In this episode of Retirement Planning Simplified, Joe sits down with Matt Holmes, partner at Homes Riseleys CPA, to uncover the biggest mistakes business owners make when it comes to succession planning and selling their business and how to avoid them. He explains new tax rules for 2024 and how they can...

In this episode, Joe Curry breaks down smart, simple, and tax-efficient strategies to pass on your wealth in Canada—so your legacy goes to your loved ones, not the CRA. Whether you've built your nest egg through saving, investing, or selling a business, this episode is packed with insights you can use. Check out the show notes for EP148 HERE

Shownotes Thinking about selling your business? In this pilot episode, Joe Curry explains why many Canadian business owners struggle to sell—and how understanding the four main types of buyers can help you plan a smoother, more successful exit. Joe breaks down the key differences between individual buyers, strategic buyers, financial buyers, and internal buyers (like family or employees). Each typ...

In this episode of Retirement Planning Simplified, Joe Curry talks with Ashton Applewhite—TED speaker, author of This Chair Rocks, and a leading voice against ageism (discrimination based on age). Ashton explains how our culture gives us the wrong ideas about aging and why those beliefs can hold us back—especially in retirement. Check out the show notes for EP147 HERE

  In this episode, Joe Curry welcomes retirement coach and author Nancy Collamer to share how retirees can find meaning and purpose after leaving their careers. Nancy explains her shift from corporate HR to helping people build fulfilling second acts in retirement.   They explore what a second act career looks like, ways to discover new interests, and why some people feel lost after they stop work...

Need Cash in Retirement? Here's How to Stay Flexible. In this episode, Joe Curry and Lindsay Wilson talk about how to get the cash you need in retirement. They explain the best ways to prepare for surprise expenses, like using emergency funds, HELOCs (home equity lines of credit), and smart RSP withdrawals. They also talk about why it's important to plan ahead, so your money stays flexible when yo...

In this episode of Your Retirement Plan Simplified, Joe Curry interviews Laura Lynn Morrissey, founder of Silver Savvy, about how to plan for aging wisely and enjoy a healthy, independent retirement. With her background in finance and healthcare, Laura shares expert strategies to help you age in place, stay socially connected, and integrate financial planning with health and lifestyle goals. Wheth...

What if you could test-drive retirement before diving in? In this episode of Retirement Planning Simplified, Joe sits down with Jillian Johnsrud, financial independence expert and author of Retire Often, to explore how mini retirements can help you design a meaningful, purpose-driven life before and during retirement. From saving aggressively in her 20s to taking over a dozen mini-retirements by a...

Retirement isn't just about your finances—it's about designing a life you love.  In this episode, Joe Curry and Lindsay Wilson break down the 7 key pillars of a fulfilling retirement, with a focus on the three most essential: your financial foundation, your health, and your lifestyle. This is your practical guide to planning retirement with purpose—so you don't just coast through retirement, but t...

What if retirement wasn't the end of your story—but the beginning of your legacy? In this episode, Joe chats with Dr. Deborah Heiser, a developmental psychologist and founder of The Mentor Project, about how retirees can find purpose, connection, and fulfillment through mentorship, movement, and mindset. They explore the concept of generativity—our natural drive to give back—as a key to emotional...

In this episode, Joe Curry sits down with financial expert Russ Thornton to reveal why women face unique hurdles in retirement—and how to overcome them. From longer life expectancies to career breaks for caregiving, Russ shares real-world strategies to build confidence, plan smart, and avoid costly mistakes. They break down what women need to know about Social Security, investing, and balancing to...

In this episode, Joe sits down with Dr. Corinne Auman, a developmental psychologist who specializes in adulthood and aging, to talk about how our perspectives on aging and retirement are evolving. She explores common myths about getting older, how to find purpose after retirement, and the power of staying socially connected. Dr. Auman also shares advice for business owners on how to support older...

Joe chats with guest Esther Avant, a health industry expert, who emphasizes the critical role of prioritizing health for a fulfilling retirement. Esther highlights actionable strategies to kickstart a healthy lifestyle, regardless of where someone stands in their health journey. The episode explores the misconceptions about aging and health, practical steps for incorporating physical activity and...

Joe welcomes Amy Friesen, senior living expert. They highlight the challenges and solutions for aging individuals and their families. They examine various aspects of elder care , including planning for home modifications , navigating retirement homes , and understanding long-term care options. They emphasize the importance of planning , open family communication , and understanding the real costs...

The podcast episode delves into the nuances of financial therapy and its importance in retirement planning. John Hankins, a financial therapist, joins host Joe Curry to explain the intersection of emotional well-being and financial planning. They explore how financial therapy can help individuals and couples navigate anxiety and issues related to money, particularly when transitioning to retiremen...

Joe sits down with Roger Whitney, the Retirement Answer Man, to discuss agile retirement planning, financial confidence, and redefining retirement beyond just money. Roger shares insights on why retirement is not a math problem, how to invest in your life and passions, and the importance of social engagement and community in retirement. They also explore how the Rock Retirement Club helps retirees...

In this episode of Your Retirement Planning Simplified , we dive into smart tax strategies for retirement , and common mistakes to avoid when drawing income. We cover essential topics like income splitting, RRSP vs. RRIF withdrawals, TFSA strategies, and how to minimize OAS clawback . You'll learn how to optimize your withdrawal order, take advantage of tax credits for retirees, and avoid costly e...

Ever wonder how retirement income is taxed in Canada? We look at tax brackets, RRSPs, RRIFs, TFSAs, CPP, OAS, and pension income is crucial for optimizing your retirement tax strategy. They explain marginal vs. average tax rates, the impact of dividends and capital gains, and how to minimize OAS clawbacks . Tune in to learn how to reduce your lifetime tax bill and keep more of your savings working...

Joe speaks with journalist and economist Chris Farrell to challenge traditional retirement thinking. They examine working in retirement, the purpose and payche que balance, and why staying engaged later in life is about more than just financial security. Chris shares insights from his books, including how entrepreneurship after 50 is thriving, how employers are adapting to an aging workforce, and...

W e dive into the essential topic of pension types for Canadian employees, covering defined benefit pensions, defined contribution pensions, and group RRSPs. We explain how each works, their pros and cons, and how they fit into a comprehensive retirement income plan. Whether you're planning for retirement or optimizing your benefits, this episode provides valuable insights to help you navigate you...

We unpack the power of Tax-Free Savings Accounts (TFSAs) as a game-changing tool for retirement income planning. Discover how TFSAs provide tax-free growth, flexible withdrawal management , and significant estate planning benefits. Learn why integrating TFSAs with RRIFs, CPP, OAS, and other income sources can minimize taxes, avoid OAS clawbacks , and optimize your retirement strategy. Tune in for...

Discover essential retirement planning updates for 2025! Joe and Lindsay break down new RRSP and TFSA contribution limits, updates to CPP and OAS benefits, inflation adjustments, key tax changes, and capital gains rules. Learn how to maximize your retirement savings, minimize taxes, and stay invested for long-term success. With practical tips on budgeting, income planning, and key deadlines like t...

Joe and Lindsay answer the most common questions about the Canada Pension Plan (CPP). They explain what CPP is, who qualifies, how to apply, and how to estimate your benefits. You'll learn about the maximum and average payouts, survivor benefits, tax implications, and whether to take CPP early, at 65, or delay to age 70. With insights on integrating CPP into retirement income planning, this episod...