Retirement Unpacked

On episode 58 of Retirement Unpacked, Adam Bornn and Kyle Martins discuss whether withdrawal strategy or asset allocation is more important in retirement, when living trusts can make sense, how singles vs. couples are taxed in retirement and why singles are at a disadvantage, when it makes sense to contribute to an RRSP in retirement, and much more. Later in the episode, Aaron Cramer joins the sho...

On episode 57 of Retirement Unpacked, Adam Bornn and Matthew Dennis discuss why we often suggest delaying CPP but not OAS, when you should actually use your income wedge, gifting strategies and which accounts you should consider gifting from, and much more. Later in the episode, Kyle Martins joins the show to discuss some of the planning considerations Canadian retirees need to know as we approach...

On episode 56 of Retirement Unpacked, Adam Bornn and Gord Manzer discuss if there is a minimum RRSP amount needed to delay your CPP to 70, when CPP sharing can make sense, whether you need an income wedge for your entire retirement, how to manage large capital gains in retirement, moving money from your RRIF to your TFSA, and much more. Later in the episode, Peter Filippakis joins the show to disc...

On episode 55 of Retirement Unpacked, Paul Grenier and Michael Barichello   discuss how RRSP tax deductions work, why it could make sense to set up a HELOC before retiring, why people keep working when they can financially retire, if it makes sense to withdraw more from your RRIF to fund your TFSA, and much more. Later in the episode, Martin Goudreault   joins the show to discuss a unique tax plan...

On episode 54 of Retirement Unpacked, Brett Martinson and Jon Kutney discuss how to utilize additional TFSA contribution room in retirement, how to incorporate dividends into your cashflow (income) wedge, DIY retirement planning software, marginal vs. average tax rates in retirement, in-kind charitable donations, and much more. Later in the episode, Mathieu Huneault joins the show to discuss tax p...

On episode 53 of Retirement Unpacked, Adam Bornn and Martin Goudreault discuss when you should convert your RRSP to a RRIF if you're retiring in 2027, whether or not you need a cashflow wedge in your TFSA, converting to a RRIF vs. just withdrawing from your RRSP, tax implications when gifting money to your kids, planning considerations when you love your job, and much more. Later in the episod...

On episode 52 of Retirement Unpacked, Gord Manzer and Michael Barichello discuss why converting your RRSP to a RRIF before 71 can make sense, where to allocate a large cash sum before retiring, LIF maximum withdrawal rules, CPP child rearing years, when annuities make sense, and much more. Later in the episode, Martin Goudreault joins the show to discuss a case study where a couple had more than e...

On episode 51 of Retirement Unpacked, Brett Martinson and Matthew Dennis discuss whether it ever makes sense to put a house into a trust, clear up some confusion about what a cashflow wedge actually is, look at whether CPP really keeps up with "real-world" inflation, planning considerations for a disabled adult child, and much more. Later in the episode, Mathieu Huneault joins the show t...

On episode 50 of Retirement Unpacked, Adam Bornn and Brett Martinson discuss DIY retirement planning software options for Canadians, whether extended health and dental coverage is worth it for retirees, how retiring with two pensions can change withdrawal strategy, and much more. Later in the episode, Gord Manzer joins the show to discuss some of the unique considerations when retiring partway thr...

On episode 49 of Retirement Unpacked, Paul Grenier and Jon Kutney discuss the Home Buyers' Plan vs. the FHSA and how these tools can be used if you're close to or in retirement, the cashflow wedge (of course), how spousal RRSPs work in retirement, and much more. Later in the episode, Peter Filippakis   joins the show to do a deeper dive into what the cashflow wedge actually is, how much yo...

On episode 48 of Retirement Unpacked, Adam Bornn and Mathieu Huneault discuss how retiring early affects CPP and non-contributory years, what to consider if you have multiple RRSP accounts, why most retirees should consolidate their accounts, when it makes sense to convert your RRSP to a RRIF, and what to do if you took CPP early and realize you made a mistake. Later in the episode, Michael Barich...

In episode 47 of Retirement Unpacked, Brett Martinson and Matthew Dennis discuss whether you should make your spouse a joint owner of your non-registered account, the key considerations before downsizing your home and renting, LIRA unlocking rules and how they vary by province, tax loopholes versus legitimate tax planning, and much more.   Later in the episode, Gord Manzer joins the show to discus...

In episode 46 of Retirement Unpacked, Adam Bornn and Kyle Martins discuss how CPP adjusts for inflation, the risk of delaying to 70, how to manage and replenish your cashflow wedge as you walk through retirement, the trade-offs of selling your home to rent, where to save after maxing out your RRSP and TFSA, and much more. Later in the episode, Paul Grenier joins the show to discuss a unique client...

In episode 45 of Retirement Unpacked, Kyle and Michael discuss the pros and cons of DIY retirement planning and DIY retirement planning software, whether it makes sense to carry a mortgage into retirement when you have a defined benefit pension, when spousal loans can be a useful tax strategy, how to coordinate retirement withdrawals between pensions and RRSPs, and much more. Later in the episode,...

In episode 44 of Retirement Unpacked, Matthew and Gord discuss when you should actually use your cashflow wedge and how to structure it, whether you need RRSP contribution room to unlock a LIRA, if it makes sense to structure your income in a way to qualify for GIS, when non-registered accounts can become a tax problem, and much more. Later in the episode, Adam and Martin join the episode to discu...

In episode 43 of Retirement Unpacked, Adam and Brett discuss the laddered income strategy and whether it makes sense to use inflation as your “ladder,” what your options are if your TFSA is maxed and you still have excess funds, whether RRSPs make sense if you have a pension, if you only need a cashflow wedge in the accounts you’re actually withdrawing from, and much more. Later in the episode, Pa...

In episode 42 of Retirement Unpacked, Brett and Paul break down the importance of using conservative assumptions in your retirement plan, the CPP child-rearing provision, retiring with an age gap, if it makes sense to start CPP early and invest into your RRSP, how non-registered accounts are taxed, and much more. Later in the episode, Mathieu Huneault     joins to discuss two client planning scena...

In episode 41 of Retirement Unpacked, Jon and Martin break down what happens to your TFSA upon death, whether or not the CRA allows you to take a loan to invest in your TFSA, how income splitting rules differ between defined benefit pensions and RRIFs, the differences between QPP and CPP, if it makes sense to start planning for retirement 20 years out, and much more. Later in the episode, Peter Fi...

In episode 40 of Retirement Unpacked, Michael and Mathieu   break down why you should consider converting your RRSP to a RRIF prior to age 71, the differences between a RRIF and LIF, if it makes sense to meltdown a large RRSP, considerations before purchasing a life insurance policy, tax implications of passing on wealth, and much more. Later in the episode, Gord Manzer   joins to discuss a real l...

In episode 39 of Retirement Unpacked, Matthew and Peter break down how to gift money early from your non-registered account in a tax-efficient way, where you should invest after maxing out your RRSP and TFSA, how your RRSP meltdown strategy should change when markets overperform or underperform your plan, HOOPP pensions, and much more. Later in the episode, Martin Goudreault  joins to walk through...

In episode 38 of Retirement Unpacked, Brett and Gord break down options if you are paying high fees and not getting any advice, the attribution rules around joint non-registered accounts, what age you can split your RRIF income with your spouse, whether it makes sense to ladder your income if you're concerned about long-term care, if it makes sense to start CPP early so you can collect the PRB...

In episode 37 of Retirement Unpacked, Adam and Brett break down if it makes sense to withdraw more from your RRIF than you actually need, why your cashflow wedge should not be outside of your registered accounts, how to plan around an inheritance, RRSP and RRIF strategies if you are single, and much more. Later in the episode, Maria Dawes from Capstone Asset Management joins to discuss values-base...

In episode 36 of Retirement Unpacked, Kyle and Peter break down why having zero tax years in retirement can be detrimental to your plan, how retirees can protect themselves against inflation, how to plan around large capital gains in retirement, the best timeframe to judge your investment returns, and much more. Later in the episode, Matthew Dennis joins to discuss the smith manoeuvre, the dangers...

In episode 35 of Retirement Unpacked, Brett and Jon break down RRIF successor annuitant vs. beneficiary designations, if it makes sense to do an RRSP meltdown if you have a large RRIF,TFSA, and non-registered account, whether or not you can contribute to CPP after you retire, how to determine the jurisdiction of your pension and much more. Later in the episode, Gord Manzer joins to discuss the imp...

In episode 34 of Retirement Unpacked, Michael and Paul discuss when it doesn’t make sense to delay your CPP and OAS, strategies to reduce taxes both during your lifetime and at death, estate planning considerations for blended families, and much more. Later in the episode, Martin Goudreault joins to discuss why the shift from saving to spending can be challenging, and shares practical steps to hel...