I have been helping Canadians retire for over 25 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 25 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 25 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.
BBA (Finance) - Simon Fraser University
CIM® (Chartered Investment Manager)
CFP (Certified Financial Planner)
FCSI (Fellow of Canadian Securities Institute)
Thank you for reviewing the RGF Integrated Wealth Management Horizons Retirement Report. As with past reports, this edition summarizes the dreams, fears, hopes and challenges of Canadians planning to retire within the next three to seven years.
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.
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.
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.
We are pleased to present the results of the 2016 Horizons Retirement Report. This report summarizes the dreams, fears, hopes and challenges of Canadians planning to retire within the next 3 to 7 years.
Many of our clients are concerned about what life will look like during their retirement years. For this reason, we started our retirement survey five years ago to explore what Canadians are thinking as they approach retirement.
Every year, we commission a survey (conducted by Concerto Research) to explore what Canadians are thinking and feeling as they approach retirement.
We’ve just completed the 2013 edition of the Horizons Retirement Report. This survey is done with Canadians who are approaching retirement.
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
As usual, there’s a lot happening in the Canadian pension environment.
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.
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.
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.
As we approach the holiday season, you’ll hopefully find some time to spend with family and/or friends. Many conversations will be had and some may be about that overdone turkey and some may even be about the investment markets.
Responsible investing (also known as ethical investing and socially responsible investing) is growing in popularity as more investors are seeking to align their portfolios with their values.
Don't simply retire from something; have something to retire to. ~Harry Emerson Fosdick
Everyone has different goals and expectations for their retirement. Likewise, everyone has a different level of financial resources they can use to achieve these goals.
A life annuity is a financial vehicle that allows you to exchange a lump sum of capital for a guaranteed income for as long as you live (or you and your spouse or partner lives).
A strong awareness and understanding of your personal finances is an integral part of the financial planning process. This holds true regardless of your phase in the financial life cycle.
Louise is retiring soon, and it just dawned on her that she isn’t clear what’s going to happen to her cash flow after the regular paycheques stop coming in. I find this a great source of concern among the nearly-retired...
What is the ultimate currency? Is it money? Canadian dollars or U.S. dollars? Is it gold or real estate? No, the ultimate currency is not a tangible asset at all. You can’t save time. You can only spend it… Benjamin Hoff, The Tao of Pooh
You’ve saved long and hard for many years. You’ve made sacrifices and put your long-term needs ahead of your current desires for that vacation, the newer car or upgrading the kitchen.
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.
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.
Thank you for reviewing the RGF Integrated Wealth Management Horizons Retirement Report. As with past reports, this edition summarizes the dreams, fears, hopes and challenges of Canadians planning to retire within the next three to seven years.
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.