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.
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.
For many British Colombians, a large amount of their net worth is tied up in the equity of their principal residence. There are four main avenues to access this equity - all with some advantages and disadvantages
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.
There are two main approaches to generating an income. The first is called income investing; this is implemented by focusing on the yield of the underlying investments to generate your desired income (specifically dividend and interest income).
A couple of questions we commonly get asked are “What is a life annuity?” and “Should I consider a life annuity in my situation?”
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.
As usual, there’s a lot happening in the Canadian pension environment.
The majority of Canadians in or approaching retirement are worried about outliving their savings. And yet, many fail to prepare for the one thing that has a very good chance of blowing up seniors’ living costs.
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.
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.
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.
There are two main approaches to generating an income. The first is called income investing; this is implemented by focusing on the yield of the underlying investments to generate your desired income (specifically dividend and interest income).
Do you contribute to a defined benefit pension plan?
When the economy is overheated and asset prices are inflated, pulling the interest rate strings is the economic definition of pumping the brakes.
A couple of questions we commonly get asked are “What is a life annuity?” and “Should I consider a life annuity in my situation?”
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.
“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.
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).
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.
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.
There are two main approaches to generating an income. The first is called income investing; this is implemented by focusing on the yield of the underlying investments to generate your desired income (specifically dividend and interest income).
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.
Insurance
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