Retirement planning

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2016 Horizons Report

2016 Horizons Report The Financialist • Issue 130 • July 2016 BY CLAY GILLESPIE BBA CFP CIM FCSI We are pleased to present the results of the 2016 Horizons Retirement Report. This report summarizes the dre...
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The Goose and the Basket of Golden Eggs

If you had a goose that laid golden eggs, which is worth more: the eggs already in your basket or those yet to come? What value do you put on the goose? If the goose is still laying eggs, but you have a basket full already, do you...
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RRSPs – Taking Money Out Before Retirement

A Registered Retirement Savings Plan (RRSP) is a financial planning tool which is widely used by Canadians. A common assumption is that the funds in this account should not be touched until that glorious era of your life – r...
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Human Capital and the Financial Life Cycle

Human Capital and the Financial Life Cycle BY ALAN KOTAI CFP CFA CIM Take a moment to think back to the day you got your first job. At that time, you likely had minimal financial assets and no real estate. However, this apparen...
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Retirement Income Planning - “Timing your Income and Planning at the Margin”

Retirement Income Planning “Timing your Income and Planning at the margin” The Financialist • Issue 122 • July 2014 BY Alan Kotai CFP, CIM CFA During your working life, you may have had one or ...
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Retirement Income Planning - “Timing your Income and Planning at the Margin”

Retirement Income Planning “Timing your Income and Planning at the Margin” The Financialist • Issue 122 • July 2014 BY ALAN KOTAI CFP, CIM, CFA During your working life, you may have had one or two so...
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Beyond the RRSP

Beyond the RRSP The Financialist • Issue 121 • April 2014 BY MARK NEUFELD BA CFP CIM When you require income from your RRSP, a Registered Retirement Income Fund (RRIF) may be appropriate for you. Many clients readi...
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Aligning your Goals

Aligning your Goals The Financialist • Issue 121 • April 2014 BY CECILIA TSANG BComm CFP CIM RHU Is your portfolio the result of your goals (or lack thereof)? In January and February of every year, many Canadia...
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Don’t Outlive Your Capital

Don’t Outlive Your Capital The Financialist • Issue 119 • October 2013 BY WALKER MOONEY BA CIM The oldest “official” living person in the world is now 115 years old, although there was a recent unoff...
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OAS Changes

OAS Changes The Financialist • Issue 114 • July 2012 BY Chris Eynon CFP FMA CPCA In the March 2012 Federal Budget, the government made changes to the Old Age Security (OAS) system. The changes are designed to...
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The Rising Costs of Seniors Housing and its Effects on Your Retirement Plan

The Rising Costs of Seniors Housing and its Effects on Your Retirement Plan The Financialist • Issue 118 • July 2013 BY PAUL BUITENHUIS BA Derek and Eivor entered their senior years thinking they had enough money in...
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Personal Corporations and Retirement Income Planning

Personal Corporations and Retirement Income Planning The Financialist • Issue 117 • April 2013 BY ETHAN ASTANEH BComm CFP AND ALAN KOTAI CFP CIM CFA Many of our clients who operate a small business or professional p...
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Saving for Retirement

Saving for Retirement The Financialist • Issue 116 • January 2013 BY VERA VLAOVICH BA CFP FDS RRSPs were introduced in 1957 by the federal government to encourage Canadians to save for retirement. Before that, o...
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Wills: Do We Need Them?

  Wills: Do We Need Them? The Financialist • Issue 113 • April 2012 BY PATRICK MCGUIRE CFP CLU ChFC The following is a short story based on true events that happened to clients of mine. It is intended to show t...
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Financial Life Cycle

Financial Life Cycle The Financialist • Issue 107 • October 2010 Financial planning is not a one-time event; it is a dynamic process that changes with you throughout your lifetime. In order to best assist clients in th...
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Cleaning Up Our Mess

Cleaning Up Our Mess The Financialist • Issue 109 • April 2011 BY ALAIN QUENNEC BComm CFP FMA CIM Like most children, when I was growing up, my mother was always after me to clean up after myself, saying, “You d...
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RRSP FAQs

RRSP FAQs The Financialist • Issue 112 • January 2012 BY JON KNUTSON BA DiplT (Fin Mgt) CFP The RRSP contribution deadline for the 2011 taxation year is coming up. Below are a series of frequently asked questions tha...
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Joint Registration – Good intentions often don’t go far enough

Joint Registration – Good intentions often don’t go far enough The Financialist • Issue 112 • January 2012 BY TERESA BLACK HUGHES CFP R.F.P. CLU FMA CIM “I’d like to set up my investment accoun...
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Retirement – What Does it Mean?

Retirement – What Does it Mean? The Financialist • Issue 110 • July 2011 BY CLAY GILLESPIE BBA CFP CIM FCSI Rogers Group Financial recently completed a comprehensive study to gauge the thoughts and aspirati...
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Retirement Income: Sorting the Pieces of the Puzzle

Retirement Income: Sorting the Pieces of the Puzzle The Financialist • Issue 105 • April 2010 BY ANNE HAMMOND BA CIM CFP  “Retirement” is a word that evokes many different emotions – anticipati...
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Retirement Income: Sorting the Pieces of the Puzzle

Retirement Income: Sorting the Pieces of the Puzzle The Financialist • Issue 105 • April 2010 BY ANNE HAMMOND BA CIM CFP  “Retirement” is a word that evokes many different emotions – anticipation of relaxation time, concer...
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How Can an RRSP Help at this Stage of your Life?

How Can an RRSP Help at this Stage of your Life? The Financialist • Issue 104 • January 2010 BY VERA VLAOVICH BA CFP CDS RRSP season is here again. For most of us, RRSPs may be an ideal retirement savings tool. Most i...
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What is Retirement Income Planning?

What is Retirement Income Planning? The Financialist • Issue 101 • April 2009 BY CLAY GILLESPIE BBA CFP CIM FCSI Retirement income planning is a process, not an event. To effectively deal with it, there needs to be a strategy ...
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The ABC’s of RRSP’s

The ABC’s of RRSP’s The Financialist • Issue 100 • January 2009  BY JACQUELINE SIAH BSc CFP CIM CLU As we enter the New Year, another RRSP season fast approaches. But if past years are any indication, only about a quarter...
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Warning: If it Sounds Too Good to be True…

Warning: If it Sounds Too Good to be True… The Financialist • Issue 99 • October 2008 BY ANNE HAMMOND BA CIM CFP We’ve all heard the old adage: if it sounds too good to be true, it probably is. Lately, the Canada Revenue Agency...
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Retirement: Are you prepared?

Retirement: Are you prepared? The Financialist • Issue 93 • April 2007 BY ALAN KOTAI  CFP CIM CFA Retirement is a major transition point in people’s lives. It is characterized by changes in daily activity, social contact ...
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Life Annuities and the Lifetime GIC

Life Annuities and the Lifetime GIC The Financialist • Issue 92 •January 2007 BY CHRIS EYNON CFP In this article, we will refresh your memory on the basics of life annuities as touched upon in past editions of the Financialist,...
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Registered Retirement Income Funds (“RRIFs”)

Registered Retirement Income Funds (RRIFs) A RRIF is an arrangement for drawing income from your RRSP. A RRIF is the most flexible RRSP income option and one that allows you to customize your income to meet your specific needs....
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Life Annuities

Life Annuities January 2005 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). There are several re...
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Annuity Basics

Annuity Basics The Financialist • Issue 80 • October 2003 BY MARK NEUFELD In today’s market place there are many different investment alternatives available to individuals when constructing their retirement or pre-retirement in...
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