Retirement Income
National Post article: Is a $740,000 all-equity portfolio enough for Jasmine and Terry to retire early?
One of the questions I hear most often is, “Do I have enough to retire?” The answer is almost never as simple as looking at the size of your portfolio. The real question is whether your investments, savings strategy, tax planning, and retirement income plan all work together to support the lifestyle you want. In…
Read MoreHow to Build a Retirement Plan That Actually Works (and Grows Your Wealth)
Most people go through life and at some point wake up and realize they should be doing something smarter with their money. When you reach that inflection point, what should you do and what are the few fundamental basics that you need to know? Many retirement plans are designed to feel safe, instead of giving…
Read MoreRetirement Tax Shock: Why Many Canadians Pay More Tax Than Expected
Most Canadians expect to be in a lower tax bracket in retirement. But many end up paying more tax than they expect. How do tax brackets change after age 65 and why can common assumptions about RRSPs and retirement income lead to higher lifetime taxes? Here are practical strategies to reduce tax over time, including…
Read MoreThe Longevity Revolution: Why We’re on the Brink of Living Decades Longer
The longevity movement is transforming how we think about aging—not as an inevitable decline, but as a challenge we can overcome with science, technology, and smart choices. Many experts believe we’re on the cusp of dramatically extending healthy lifespans. I’m on a longevity and healthspan journey. I’m not an expert in longevity, but I’m continuously…
Read MoreBusinessByMoney article – Living to 100 and Beyond: The Financial Reality of Longer Lives
What if living to 100 becomes normal? With advances in medicine, technology, AI, and longevity research, there is a real possibility that many people today could live much longer than previous generations. That raises some important financial questions: In my latest article for BusinessByMoney, I explore how longer life expectancies could reshape retirement planning and…
Read MoreNational Post article: Should Caroline, 62, defer CPP and OAS until age 70, or even delay retirement entirely?
Should you delay retirement… or are you closer than you think? I was asked by the National Post to review the finances of a 62-year-old deciding whether to defer Canada Pension Plan and Old Age Security to 70, and whether to keep working longer. Some of the answers go directly against what most people assume.…
Read MoreMulti-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…
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