"Unretired" & Inspired - A Retirement Planning Podcast

Caleb and Riley are joined by David MacLean, 30+ year now retired Senior Investment Advisor and Financial Planner. In this episode we dive into what he did to help his clients maximize their plan and successfully retire as well as what he didn't do! David helps us understand why most people ask the wrong questions, like "what funds should I own?" and a why portfolio is not a plan — but the last st...

Caleb and Riley discuss how long you are expected to live! Maybe you're going to drop dead before this podcast episode even ends (maybe that's a bit too morbid ). Perhaps you will become the longest living member of your family. We don't know exactly when, but do know that your days are numbered. In this episode we talk about a major retirement risk that we all face; the risk of having a long and...

Caleb and Riley are excited to be joined by Joseph Curry, President & Financial Planner at Matthews + Associates. Joe is passionate about helping clients create a good plan for a great retirement. He works to create retirement income strategies that assist clients to reduce their lifetime taxes, and ensures they don't outlive their money. Sound familiar? Caleb, Riley and Joseph are on a very simil...

Caleb and Riley discuss what Nick Murray calls "The key to your investments outperforming most others" and how fear and our reactions are often the #1 wealth killer. There is no doubt that you want to come out ahead and maximize your returns. But maybe you are wondering how can you get there. Investment success belongs to the fearlessly disciplined not the brilliant. This was said by William Berns...

Caleb and Riley are joined by Karen Henderson. As the result of a challenging 14 – year dementia care experience, Karen founded the Long Term Care Planning Network, Canada's leading online and off-line resource centre for aging and long term care. Planning for aging and care needs can be daunting – but Karen's goal is to make it easy to take the first step. Learn more about: The impact of not bein...

Caleb and Riley discuss the #1 thing you can do to be more confident that your money will last your entire retirement. You may be thinking, I have figured out to do this, It's called "I just wont withdraw/spend any money from my portfolio". Let them show you you, there is a much better way, you don't have to do that. You sacrificed throughout your life to work and save and now it's time to use it....

Caleb and Riley are joined by Jane Blaufus, speaker, coach and best selling author. Jane has a mantra that: "We have an obligation to ourselves and to those we love to make sure we leave this world in an organized manner." Through her book, her speaking engagements, her writings, and her coaching, Jane empowers people to have courageous conversations and has started an international movement to he...

Get ready for a unique episode! Today Caleb and Riley share their most favourite moments, learnings, and research over the first year of doing this podcast. It's all killer no filler. If you want the cream of the crop; if you want to know what are those fantastic learnings, mysteries, insights that will elevate your retirement from zero to hero, then this episode is for you. Get a recap on the bes...

Meet Mike Drak, author of two best selling books on retirement. If you're struggling with the idea of retirement, Mike and this episode are for you. Prior to authoring several books on retirement Mike was a self-proclaimed workaholic, winning sales contests and focused on his decades-long career in banking. Then he got packaged out and forced into early retirement. He quickly found he was on the p...

Your decision of when to begin receiving CPP could be worth $545,550! In this episode we are getting the rundown on CPP from Riley Many people make this decision on a whim. They may not think it matters, or they may just do what their friends or parents did. However if you want to maximize your income in retirement, there is a better way to go about it. Many people make the decision of when to beg...

It's a new year, and with it comes new tax updates to take advantage of. In this episode Caleb and Riley identify the most impactful personal finance changes that are new or increased for 2023 to make sure you are ready to take advantage of them. Learn more about: Your new TFSA room for 2023 and the enormous potential tax benefit of having a funded TFSA in retirement. Which changes you can take ad...

Scott Armstrong, CEO of Mindswitch joins Riley and Caleb to discuss his blueprint to helping retirees craft an inspired retirement. Scott is a 'transition expert' and has taken his experiences with thousands of individuals to create Mind Switch, a program that helps individuals to retire and aspire. In this episode we learn about how Scott went from creating Canada's largest rehabilitation and edu...

Do you ever find yourself asking, "Where are the markets going? Are they going up? Are they going down? When will things change?" In this episode Caleb and Riley are joined by Joey Lam, a co-founder of InvestorDNA. Joey has been in financial services since 2008. He has had various roles over the years advising clients on their money. Joey is liaison between the portfolio management team and our cl...

Kate Bahen, managing director of Charity Intelligence (CI) joins Caleb and Riley to discuss how her work can help us make more impactful charitable gifts. Kate and her team research and post reports on over 800 Canadian Charities. They essentially hold charities accountable for the generous support they receive and expect them to be financially transparent. They also highlight exorbitant overhead...

Caleb and Riley discuss the strivers curse and how our intelligence transitions as we age and enter retirement. Research shows that at age 70 our happiness levels dramatically, for some they increase and others they decrease. Why is this? The authors found that it depends on how well we adapt to losing our 'fluid intelligence' and understanding our 'crystallized intelligence'. For retirees that ar...

Caleb and Riley are joined by Lysa Dixon, from her cohousing community in Vancouver. Cohousing represents a unique way of living, for all ages, but especially for those heading into or in retirement. What is cohousing? It's hard to describe, but think condo + dorm + seniors home. Not only does Lysa live in a cohousing community, she helps develop them. Don't be surprised if by the end of this epis...

Caleb and Riley discuss new research indicating that there are three types of retirees when it comes to goal setting. Do you enjoy setting specific goals? Or do you prefer to have a more casual bucket list? Knowing our goal setting preferences can help us achieve the fulfilling and robust retirement we hope to have. Learn more about: Shifting your perspective away from focusing on money and instea...

Caleb and Riley are discussing tontines again. But this time they are joined by Fraser Stark, President of the Longevity Retirement Platform at Purpose Financial. Fraser and his team are the first to launch an income-for-life mutual fund designed for Canadians in retirement. It's not exactly a tontine, but it's close! What is a tontine? Listen to episode #37 where we talk all about tontines and ho...

Caleb and Riley discuss new research that highlights four phases retirees go through in retirement. The researchers found that our experiences, priorities, and attitudes tend to change and evolve as we transition through each phase. Join us as we unpack these phases and understand them so that we head into retirement with more curiosity and a sense of adventure to explore new possibilities. Learn...

The question Caleb and Riley want to answer today is: Should you plan to leave an inheritance, and if so, should you plan to give your wealth away now, while you are alive, or at death? You may know 'who' you want to gift money to, or who you want to inherit any wealth, but it's uncommon for people to know 'when' they would like the wealth transfer to happen. Should you wait till death, or is givi...

Caleb and Riley discuss home equity - often referred to as your 'retirement backup plan'. Home equity can be used like a parachute and keep your retirement from crashing into the ground. Many people don't consider their home an investment that can be used for retirement cash flow, they may even view it as as financial suicide. But if it is used correctly, home equity can add to the robustness of y...

Today, Caleb and Riley are talking about a brand new innovative retirement product that has hit the market. Canada's rollout of the "Tontine!" For North America it is a product that is exclusively available for Canadians. This is exciting because anything we can do to out do our American neighbours to the South is a win in our books. It's also exciting because it was developed to specifically addr...

Caleb and Riley are joined by Angela Yee-Hamshaw to discuss all things wills and estates. Angela is a Wills & Estate Lawyer at Masuch Law. She has read thousands of wills, some great and some not so great. Together we learn what makes a good will and why Angela calls some wills "fictious". Do you have questions on probate, beneficiaries, handwritten wills or naming an executor? Angela helps us nav...

Caleb and Riley discuss putting together your retirement advice team. A key to a robust retirement is having the right individuals on your retirement team. Many great things in this world have been accomplished when a team of extraordinary people work together for a similar purpose. Whether you are a family, a sports team, a company, or an entire country... this concept holds true. We certainly ar...

Caleb and Riley are speaking with Michelle Sharpe, a Canadian successfully moved her life to Central America to semi-retire in Belize. Michelle and her husband Ed are from a small town in Northern Ontario. After several winter getaways to the Caribbean, Michelle and Ed thought, why don't we just work and live somewhere warm. Join us to hear Michelle's advice on the logistics of moving abroad, purc...