Retirement Planning Wisdom

Smith Manoeuvre

The Smith Manoeuvre – Is your mortgage tax deductible? The Smith Manoeuvre is an efficient strategy to use equity in your home to invest for your future without using your cash flow. It converts your mortgage over time into a tax deductible investment credit line. Most Canadians are searching for a feeling of financial security,…

Read More

When Can I Retire With the Lifestyle I Want?

When can I retire with the lifestyle I want? That’s the #1 priority for our clients—based on my experience creating thousands of financial plans over the last 25+ years. They want financial freedom. It’s what we all really want. But you need a retirement plan to get there. It won’t happen on its own. Creating…

Read More

Can You Be Confident in the Stock Market? (UPDATED)

Which is true? To invest effectively for your future, it is vital to be confident in your investments. Here is the historical data to give you a clear picture of what long-term investors can expect. By the end, you’ll have a clearer answer to the big question: Is the stock market the best way to…

Read More

Realizing You Somehow Became Wealthy

I often talk with people who realize—almost by surprise—that they’ve become wealthy.  They never really thought of themselves as wealthy, but after years of saving and investing effectively, it hits them: I’m actually wealthy.  And let me tell you—being wealthy feels different. In my latest YouTube video, podcast episode, and blog post I talk about:…

Read More

Retiring Right Before or During a Recession. Debunking “Sequence of Returns Risk”. (Canadian Financial Summit 2024)

Bloggers and advisors constantly warn about the “Sequence of Returns Risk”—the fear that retiring right before or during a market crash will drain your savings too quickly.  This fear often leads retirees to make poor investment choices, resulting in: But how real is this risk? And do the conventional solutions—like investing in bonds or following…

Read More