Stages of Retirement

The disenchantment phase usually happens because retirees have grown tired of the vacation-like quality of retirement and are missing the sense of purpose they had within their careers or previous lifestyle....

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Canada Pension PLan at 65 or 70?

While many think of CPP as an income stream, I believe envisioning it as an investment account holding a 25-year high-interest rate GIC can lead to better decisions in terms of when retirees should elect to start receiving the pension....

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What happens to my benefits if I leave my job?

Millions of Canadians are enrolled in a benefits plan that provides health and dental coverage, as well as other benefits that can help you protect your loved ones and plan for the future financially....

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How long will my retirement savings last?

It’s safe to say we spend a lot more time figuring out how we’re going to save for retirement, than how we’re going to withdraw those savings. Here are some tips that may help....

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Reinvent your retirement

Retirement can provide the opportunity to reinvent yourself and enjoy a new phase of your life...

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My Keys to Success in Life

We often hear people asking about what the keys are to life and how to find happiness.  Here are the things I have discovered that lead to a happy and fulfilling life....

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Timely Similarities

I am probably like many of you. During Covid,I have spent a lot of time indoors and haven't been moving near as much as I should. There are a few extra pounds and I lose my breath a little faster than I use to....

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To Incorporate or not, that is the question?

You make enough income that you can leave money inside the corporation and defer personal income tax until later. You will eventually face the tax bill when the money leaves the corporation but it is deferred.  ...

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Attention-grabbing headline!

Recently the 2022 information for CPP was released.  The maximum pensionable earnings for 2022 will be $64900.  Your contribution as an individual will be 5.7% to a maximum of $3499.80...

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Can you change your mind about CPP?

If you start CPP before age 65, your pension is reduced by 0.6% per month, or 7.2% per year. That would mean a 36% reduction in your pension at age 60....

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