Your Retirement Planning Simplified

David Blanchett, a renowned financial expert, delves into the multifaceted world of retirement . From annuities, longevity risk, and alternative assets, you will gain valuable insights that challenge conventional wisdom.    From the nuances of portfolio construction to the impact of inflation on retirement savings, Blanchett provides actionable advice, helping listeners navigate the complexities o...

Joe welcomes Matt Holmes (CPA , Director at Holmes CPAs & Tax Advisors) to the show. They take a deep dive into the often-overlooked realm of succession planning . Joe and Matt share a poignant case where the absence of a contingency plan resulted in a less-than-optimal sale for the family due to the owner's passing.    They provide invaluable insights into the strategic considerations and pitfall...

Joe welcomes back business expert David C Barnett to delve into the intricate process of selling a business for retirement.   This insightful episode provides valuable insights for business owners contemplating a sale . Joe and David emphasize the necessity of strategic planning, documentation, and the cultivation of a marketable business before embarking on the selling process.    Barnett's pract...

Welcome to "Your Retirement Planning Simplified," where hosts Joseph Curry and Lindsay Wilson demystify the complexities of retirement with their down-to-earth approach. In this latest episode, the dynamic duo kicks off 2024 with enthusiasm, celebrating the podcast's growth over the past year and reflecting on their mission to make retirement planning approachable for everyone. With over 16,000 do...

Jo e and Regan examine estate planning essentials. They emphasize the significance of having an up-to-date will and stress the importance of clear communication within families .     They also look at the often-overlooked aspect of digital assets, urging listeners to document and share information on online accounts to ensure easy management by their executors.    They advocate for open conversati...

It's our 2023 wrap-up of Retirement Planning Simplified featuring the best episodes and insights from 2023!    We highlight our most popular episodes, including discussions on safe withdrawal rates , effective investment strategies, achieving purposeful retirement, and the impact of taxes on single seniors.    This episode is a great guide for both new and seasoned listeners, offering the best of...

David Barnett joins Joe to share valuable insights on the common pitfalls business owners face when preparing to retire and sell their businesses .    Discover the key areas to focus on for enhancing business value, from reducing customer concentration risks to navigating the challenges of owner dependence.    Whether you're a business owner weighing retirement, or an entrepreneur interested in th...

Joe speaks with Kate Wilson, Associate Advisor at Matthews + Associates, about an essential topic of estate planning: preplanning and prepaying for your funeral.    Kate stresses the importance of thoughtful consideration of one's end-of-life wishes, encouraging you to document your preferences and keep them alongside your estate planning documents. While the topic may not be the most lighthearted...

In this podcast episode, host Joseph welcomes Gary Poyer to discuss retirement planning from a unique perspective that goes beyond financial considerations. Gary, the author of "Make Retiring Easy," emphasizes the importance of uncovering the potential in retirement to lead a fulfilling life. He highlights the seven principles of his Philosophy of Retirement, encouraging individuals to approach re...

Joe and Regan look at managing anxiety around market volatility, particularly for individuals nearing or already in retirement.    They address retirees' concerns who want immediate income from their investments but experience anxiety from the unpredictability of market fluctuations.    Joe urges listeners to break down their portfolios into distinct buckets aligned with different phases of retire...

We look at what people talk about when they talk about risk. We explore the different facets of risk associated with stock market investments. Joe breaks down the nuances of systematic and unsystematic risks, unraveling the uncertainty that often accompanies market fluctuations. With insights into diversification strategies and the importance of understanding various risk types, we equip listeners...

Joe welcome s Nick Mombourquette (CFP) from NewGround Financial Inc . With NewGround Financial Inc., Nick guides entrepreneurs and for-impact leaders.     Discover the keys to financial freedom as Joe and Nick delve into the intricacies of retirement planning, employee benefits, and business growth. With a focus on staying organized, having a solid process, and planning ahead, they provide actiona...

We explore critical aspects of preparing for retirement, urging you to look beyond just financial readiness. From overspending early in retirement to underestimating life expectancy, we examine various retirement risks, emphasizing the need for a comprehensive approach that includes staying socially engaged, continuous learning, and nurturing emotional and psychological well-being.  Read the full...

In this engaging podcast episode, the hosts dive deep into the critical retirement risks that many individuals overlook in their retirement planning. This two-part episode provides valuable insights into the pitfalls and challenges that retirees often face when approaching retirement. From underestimating retirement expenses to the perils of retiring too early, the hosts offer practical advice and...

In this episode of Fireside Financial, CFPs Joe Curry and Regan Schiller delve Home Equity Lines of Credit (HELOC) versus reverse mortgages. They provide valuable insights into how these financial tools can be used strategically during retirement planning.  They address the common misconception that retirees should avoid debt entirely, highlighting the benefits of using HELOCs and all-in-one accou...

Join us as we address a growing concern: the oversimplification of retirement advice.  We highlight the pitfalls of an overreliance on factors like predicted lifespan and investment returns to plan for retirement. We want you to underscore the necessity of considering a wide range of factors, such as the sequence of return risk, healthcare costs, and withdrawal strategies. Read the full show notes...

Joe and Lindsay examine the little-discussed sequence of inflation risk. While most people plan for retirement with a fixed, average inflation rate, it's important to consider the sequence in which inflation rates fluctuate over time.  Drawing from the insightful article "How Sequence-Of-Inflation Risk Impacts Retirees Beyond Just Sequences of Returns" by Michael Kitces, they explore the real-worl...

In this engaging podcast conversation, Jen Johnstone (Executive Director) and Sarah Cook (Education Program Supervisor) from the Peterborough and Area Alzheimer's Society shed light on the challenges retirees face when providing care for loved ones with Alzheimer's.  Drawing from their extensive experience, they offer valuable insights into maintaining cognitive health during retirement, emphasizi...

Join us for an in-depth look at the ins and outs of RRSPs (Registered Retirement Savings Plans). You'll hear why some individuals regret investing in RRSPs due to the taxes they face during withdrawals and gain valuable insights into the advantages these plans offer.  From tax deductions to tax-deferred growth, learn how RRSPs can play a crucial role in your retirement strategy. Discover strategie...

Joe and Lindsay dive into the concept of a "retirement dress rehearsal." Doing a dry run of retirement leads to a smooth retirement transition and prior planning prevents poor performance! They stress the significance of understanding your cash flow needs in the year or two before retiring. They guide you through the process of setting up separate bank accounts for income and spending, ensuring th...

Joe Curry (CFP, Retirement Planning Simplified) and Regan Schiller (CFP, Your Canadian Retirement Specialist) examine the intricacies of optimizing retirement income by strategically withdrawing funds from Registered Retirement Income Funds (RRIFs) and other retirement accounts. They explore the benefits of taking early excess withdrawals from RRIFs, even when clients may not have an immediate nee...

Joe and Lindsay share key insights taken from the financial classic, "The Millionaire Next Door" by Thomas J. Stanley  and William D. Danko. With the book's principles freshly revisited, they explore how these valuable lessons can be applied to retirement planning and shared with the next generation. Throughout the episode, Joseph and Lindsay offer practical insights, emphasizing the importance of...

In the latest episode, Joe and Lindsay dive into the often-perplexing world of financial professionals and their designations. With titles ranging from financial advisors, financial planners, investment advisors, and wealth managers, Joe and Lindsay look at untangling the confusion surrounding these roles. Read the full show notes and find more information here: EP 55 Show Notes

Mary Ellen French and David Wing of "The Retirement Years" podcast join Joe on this week's episode of "Your Retirement Planning Simplified." With a blend of personal experiences and expert insights, they guide listeners through the multifaceted journey of retirement preparation and living life after the workforce. From discussing the genuine fears that retirement can bring to sharing strategies fo...

Joe welcomes Dr. Preet Banerjee to "Your Retirement Planning Simplified". Preet is a well-known Canadian personal finance and investing expert, Globe and Mail columnist, host of OWN's TV show Million Dollar Neighbourhood, and author of the popular blog WhereDoesAllMyMoneyGo.com. They delve into Preet's research on the value of financial advice. Dr. Banerjee candidly shares his insights on the evol...