Retirement

RRIF and LIF withdrawal rates: Everything you need to know

Most registered retirement savings plans are eventually converted to registered retirement income funds. Here’s what to know about RRIF...

Retired Money

Retirement planning advice for people who don’t use an advisor

Retirement Club for Canadians offers a sounding board and resources for people who manage retirement finance all on their...

Debt

Should I use retirement savings to pay off credit card debt?

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How to allocate a RRIF for secure income in retirement

Should you hold equities? Fixed income? An annuity? Or all three? Financial advisors debate the options in today’s “tariffied”...

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Is real estate the best investment for a Canadian retiree?

I had three meetings this past week with Canadian clients where I challenged their real estate strategies. Here’s why.

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How the Liberals’ re-election impacts RRIFs, taxes and more

The party’s platform proposals may impact RRIF minimum withdrawals, income tax and more. Here’s how Canadians can plan for...

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How to avoid RRSP overcontributions when you have a deferred profit sharing plan

Maxing out employer contributions is an easy way to boost your retirement savings. Here’s how to do it without...

Retirement

What to do if you outlive your retirement savings

Some Canadian seniors enter retirement without savings or run out of money over time. Here’s how they can stay...

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Should I draw down my RRIF to avoid estate taxes?

Yes, your estate will pay a high rate of tax on your RRIF when you die. But it usually...