Retirement Income
Multi-Millionaire’s Dilemma: Stay in Stocks or Go Conservative After Retiring?
You’ve worked hard, built up a few million dollars, and now you’re seventy-five, retired, and staring at your portfolio wondering — do I really need to keep riding the stock market rollercoaster? Or is it finally time to play it safe? That’s the multi-millionaire’s dilemma, and it’s a lot more common than you might think.…
Read MoreLiving Healthy Past Age 100 – Will Your Retirement Plan Survive?
Last week, I revealed my longevity journey, introduced some of the explosive developments, and why we may be able to start living significantly longer within the next 10–20 years. Living with health and vitality past age 100 could become common. What happens to your money if that happens? If we live 20 more years, can…
Read MoreMost Inside article: Toronto-based Financial Planner Ed Rempel Debunks The Random Walk Theory
“The stock market is random.” That’s what Random Walk Theory suggests. But when you look at market history, the evidence tells a very different story. In periods of extreme market stress, something interesting often happens. Large losses are usually followed immediately by large gains. A few things investors often overlook: Markets may feel unpredictable in…
Read MoreBusiness News This Week article: Toronto Financial Advisor Ed Rempel on Exponential Thinking – How Major Wealth Happens
Most people misunderstand how wealth is actually created. Most people think about wealth linearly. Save a bit each year. Earn a few percent return. Gradually build your nest egg. But most major wealth actually happens exponentially. For example: $100,000 growing at 4% for 30 years becomes about $324,000. The same $100,000 growing at 10% becomes…
Read More5 Best Things article – Challenging the Three Phases of Retirement Spending: Insights from Toronto-based Financial Planner Ed Rempel
For years, retirement planning has relied on the idea that spending naturally declines as we age. First the “go-go” years. Then the “slow-go.” Then the “no-go.” After decades of working with retirees, I believe this is not how retirement actually unfolds for many people, and planning for it locks retirees into declining travel, whether they…
Read MoreNational Post article: Should Ottawa couple defer CPP and OAS if they retire early next year?
The National Post asked me to look at the retirement plan for Arnold, 56, and Heather, 60, an Ottawa couple hoping to retire as early as next year. They both have strong, inflation-indexed defined benefit pensions, but they’re not sure they’ll actually have the retirement they want if they stop working now. They’re also not…
Read MoreRRSP/RRIF Meltdown Strategies Explained (Canadian Financial Summit 2025)
Ever wondered how you can get the money out of your RRSP with a minimum of tax? RRSP/RRIF Meltdown Strategies can allow you to withdraw from your RRSP or RRIF with little or no tax. However, there are some tricky complications, several options, and these strategies are not for everyone. In my latest video for…
Read MoreNational Post article: Is $15,000 for cross-border tax help too much?
The National Post asked me to look at the retirement plan for Rita, 61, and Darcy, 60, a Quebec couple who spent half their careers in the U.S. and the other half in Canada. Most of their retirement money is still in U.S. employer plans, and they’ll both receive U.S. Social Security as well as…
Read MoreThe Fake Stages of Retirement: Why ‘Slow-Go’ Is Really About Money — Not Age
You’ve probably heard the conventional wisdom about retirement stages: the “go-go” years right after you clock out, full of adventure and travel; then the “slow-go” phase where things wind down due to age and aches; and finally, the “no-go” period of quiet homebound days. It’s a neat little narrative, peddled by financial planners and lifestyle…
Read MoreWorthvieW article – Why Renting Could Be Your Secret to Smarter Wealth Building: Insights from Toronto-based Financial Planner Ed Rempel
Many Canadians believe homeownership is the only real path to building wealth. If you’re renting, it can feel like you’re falling behind or missing out. After decades of working with clients and studying long-term data, I don’t believe that’s true. Renting can be a deliberate and effective wealth-building strategy when it’s approached intentionally. This article…
Read More