I have been helping Canadians retire for over 28 years. The main difference between you and me is that you retire once and I help people retire every day. I have seen the good and the bad both emotionally and financially about retirement. I want to take this experience and help you retire comfortably and let you know how much income you can generate every year in retirement.
I have been helping Canadians retire for over 28 years. The main difference between you and me is that you retire once and I help people retire every day. I have seen the good and the bad both emotionally and financially about retirement. I want to take this experience and help you retire comfortably and let you know how much income you can generate every year in retirement.
I have been helping Canadians retire for over 28 years. The main difference between you and me is that you retire once and I help people retire every day. I have seen the good and the bad both emotionally and financially about retirement. I want to take this experience and help you retire comfortably and let you know how much income you can generate every year in retirement.
I grew up in South Surrey. I am married (Joanne) with two children (Sarah and Meagan). I have my undergraduate degree from Simon Fraser University. I am a big believer in education and sponsor scholarships at both UBC and SFU.
I have also written a book called "Create the Retirement You Really Want" The more we know the better decisions we make.
STEP – The Society of Trust and Estate Practitioners
BBA (Finance) - Simon Fraser University
CIM® (Chartered Investment Manager)
CFP (Certified Financial Planner)
CLU (Chartered Life Underwriter)
FCSI (Fellow of Canadian Securities Institute)
CEPA (Certified Exit Planner)
RRC (Registered Retirement Consultant)
EPC (Elder Planning Counselor)
TEP (Trust and Estate Practitioner)
FEA (Family Enterprise Advisor)
Clay is a Portfolio Manager with IIROC in BC, AB and ON. He is a licensed insurance agent in BC, AB and ON.
For some of you, this may be the first time that you have seen this report, and for others, you may have been following the Horizons Report for years. In either case, we hope you find the information contained in this report interesting, insightful and helpful in better understanding how Canadians view retirement.
When it comes to retirement income planning, there is no perfect strategy or simple solution. Every individual’s situation is different and, as such, everyone will have a different strategy on how best to generate their required income in retirement.
A couple of questions we commonly get asked are “What is a life annuity?” and “Should I consider a life annuity in my situation?”
There are three stages to retirement – the first stage is called the ‘Go-Go’ stage, the second the ‘Slow-Go’ stage and the third is the ‘No-Go’ stage.
Before we attempt to give our insights on this argument, let us do some math to set the stage for the discussion.
What does estate planning actually mean? Estate planning is just making sure that your assets pass to the next generation in the most efficient and tax-effective manner possible.
There are two main types of government pensions that most Canadians can expect to receive during their retirement years: Old Age Security (OAS) and the Canada Pension Plan (CPP).
Estate planning is the process of arranging one’s affairs while minimizing administrative burdens, costs, and income tax upon death.
Due to the recent COVID- 19 situation, we are taking every precaution to ensure we are following the guidance of the BC Ministry of Health to protect the health of our clients and employees.
Life expectancy is one of the most misunderstood aspects of retirement income planning - yet, it is one of the most important factors.
Both OAS (Old Age Security) and CPP (Canadian Pension Plan) are government income entitlements that are meant to provide Canadians a guaranteed inflation-indexed pension for as long as they live.
While some may regard retirement as a key moment in their financial journey, it's not an event but a process, says veteran financial advisor Clay Gillespie in a new book.
I wrote this book for one simple reason: to help Canadians retire smarter, richer and happier. Over the years, I’ve had the pleasure of meeting many hard-working people from all walks of life, and far too many of them wonder if they can ever afford to retire.
Provided some thought was put into it, the same mix of stocks and bonds you had before COVID-19 still makes sense.
Just as astronomical telescopes allow us to glimpse the distant past, a "demographic telescope" allows us to peek into the distant future.
Why a copycat annuity might be right for you
While some may regard retirement as a key moment in their financial journey, it's not an event but a process, says veteran financial advisor Clay Gillespie in a new book.
I wrote this book for one simple reason: to help Canadians retire smarter, richer and happier. Over the years, I’ve had the pleasure of meeting many hard-working people from all walks of life, and far too many of them wonder if they can ever afford to retire.
Can I afford to retire? It was a beautiful May morning when I next saw Rachel and Mike. Rachel was carrying a large gift-wrapped box. “This is for you,” she said, smiling and handing the box to me. “Thank you,” I said, pleasantly surprised.
Do you contribute to a defined benefit pension plan?
A couple of questions we commonly get asked are “What is a life annuity?” and “Should I consider a life annuity in my situation?”
For some of you, this may be the first time that you have seen this report, and for others, you may have been following the Horizons Report for years. In either case, we hope you find the information contained in this report interesting, insightful and helpful in better understanding how Canadians view retirement.
There are three stages to retirement – the first stage is called the ‘Go-Go’ stage, the second the ‘Slow-Go’ stage and the third is the ‘No-Go’ stage.
Before we attempt to give our insights on this argument, let us do some math to set the stage for the discussion.
What does estate planning actually mean? Estate planning is just making sure that your assets pass to the next generation in the most efficient and tax-effective manner possible.
When it comes to retirement income planning, there is no perfect strategy or simple solution. Every individual’s situation is different and, as such, everyone will have a different strategy on how best to generate their required income in retirement.
“Retirement” – the word represents many things these days. It could be a lifestyle full of travel and adventures, or perhaps a transition to volunteer work...
Called the Great Resignation, since the pandemic, employees are leaving the workplace/workforce or switching jobs in droves.
On May 13, 2021, I was delighted to join RGF advisors and clients for their second virtual event where I discussed the ideas covered in my first book, Your Digital Undertaker– Exploring Death in the Digital Age in Canada.
You’ve met with your advisor and are delighted to find out that you’re financially on track to retire within the new few years.
For some of you, this may be the first time that you have seen this report, and for others, you may have been following the Horizons Report for years. In either case, we hope you find the information contained in this report interesting, insightful and helpful in better understanding how Canadians view retirement.
There are three stages to retirement – the first stage is called the ‘Go-Go’ stage, the second the ‘Slow-Go’ stage and the third is the ‘No-Go’ stage.
Before we attempt to give our insights on this argument, let us do some math to set the stage for the discussion.
What does estate planning actually mean? Estate planning is just making sure that your assets pass to the next generation in the most efficient and tax-effective manner possible.
When it comes to retirement income planning, there is no perfect strategy or simple solution. Every individual’s situation is different and, as such, everyone will have a different strategy on how best to generate their required income in retirement.
Both OAS (Old Age Security) and CPP (Canadian Pension Plan) are government income entitlements that are meant to provide Canadians a guaranteed inflation-indexed pension for as long as they live.
While some may regard retirement as a key moment in their financial journey, it's not an event but a process, says veteran financial advisor Clay Gillespie in a new book.
I wrote this book for one simple reason: to help Canadians retire smarter, richer and happier. Over the years, I’ve had the pleasure of meeting many hard-working people from all walks of life, and far too many of them wonder if they can ever afford to retire.
Can I afford to retire? It was a beautiful May morning when I next saw Rachel and Mike. Rachel was carrying a large gift-wrapped box. “This is for you,” she said, smiling and handing the box to me. “Thank you,” I said, pleasantly surprised.
Insurance
- learn more about their plans
- obtain a quick quote
- apply for coverage
Please call 1-800-565-2338 to speak with Manulife experts, should you have any questions about the plans or your application.
Mortgage and debt management is an important element of your financial plan.
We work with Pilot Mortgage Group to make your mortgage process simpler.
Pilot Mortgage Group is one of the top mortgage brokerage companies in Canada. They work with over 50 different lenders to secure the best mortgage financing for your specific needs. Pilot also has a large emphasis on ongoing mortgage management that ensures your mortgage remains the right fit.
Should you wish to get started with Pilot, you can start on the online application below or speak with our advisory team to hear more about how they may be able to help you with your upcoming financing needs.