Retirement Unpacked

• 013 | TFSA Trading Rules, LIRAs, & Tax-Efficient Decumulation

  In this episode of Retirement Unpacked, Adam and Brett answer viewer questions on RRIF withdrawals, TFSA rules, advisor restrictions, non-registered accounts, pension income splitting, LIRA unlocking, and more. They break down several common retirement planning scenarios Canadians face and explain how to navigate them with clarity and confidence.Later in the episode, Parallel Wealth partner Kyle Martins joins to share insight on easing into retirement, including how part-time or semi-retirement work can fit into a financial plan.Have a question for a future episode? Leave it in the comments.Advisor.ca ArticleDISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.Chapters00:00 Intro & Overview00:23 Advisor Restrictions on Financial Advice03:54 RRIF vs LIF at Death06:10 RRIF Withdrawals: Monthly vs Lump Sum08:12 Managing Non-Registered Accounts in Retirement15:16 Risks of Managing Money for Family and Friends17:45 DB Pensions, Income Splitting, CPP/OAS Timing21:22 TFSA GIC to High-Interest Account Transfer24:03 Federal LIRA Rules, Unlocking, LRIF vs RLIF29:06 Transferring LIRAs/LIFs to a Brokerage31:57 TFSA Gains and CRA Penalties37:16 Transitioning into Retirement40:21 TFSA Cash Mistakes 44:12 Wrap-up

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• 012 | Big RRSP Problems, OAS Clawback, & Drawdown Tips

  In this episode of Retirement Unpacked, Adam Bornn and Brett Martinson tackle a variety of retirement-related questions, focusing on strategies for managing income, taxes, and investments in retirement. They discuss the implications of OAS clawback, the importance of RRSP contributions, and the nuances of withdrawing from RRSPs and TFSAs. The conversation also covers RRSP drawdown strategies, CPP dropout rules, and what strong financial planning deliverables should actually include.Parallel Wealth planner, Matthew Dennis, joins the episode to discuss a common real-life challenge when couples have different spending goals and visions for retirement and how to navigate those conversations so both spouses feel heard and aligned.Access Free Decumulation 101 VideosDISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.Chapters00:00 Intro and Overview00:22 Is OAS Clawback a Good Problem04:29 When RRSP Contributions Don’t Make Sense07:25 Melting Down a Large RRSP11:03 Are All in One ETFs Safe14:34 Talking to Parents About Beneficiaries19:57 TFSA Withdrawals and Attribution22:35 CPP Dropout Rate Explained24:53 Reducing RRIF Tax at Death27:49 What Good Financial Plan Deliverables Include34:49 High Income and Large RRIFs38:39 Banks Ignoring Successor Forms41:16 Spousal RRSP Contributions44:16 Understanding Client Goals in Financial Planning48:59 Year End Account Opening and Deadlines51:40: Wrap-up

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• BONUS | A Conversation with Dave Chilton, The Wealthy Barber

  In this bonus episode, Adam sits down with David Chilton, author of The Wealthy Barber and one of Canada’s most trusted voices in personal finance. Dave shares why he spent 16 months completely rewriting his bestselling book and what Canadians need to know about today’s financial realities.They discuss rising living costs, housing challenges, RRSP and TFSA decisions, CPP timing, retirement withdrawals, estate planning, and the behavioural traps that can derail even the best intentions. If you grew up with The Wealthy Barber or simply want practical advice that actually sticks, this is a conversation you’ll enjoy.The Wealthy Barber PodcastCoversation with PreetGet Your CopyDISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.

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• 011 | CPP Break-Even, Estate Taxes, & TFSA Income Planning

  In this week’s episode of Retirement Unpacked, Adam and Brett answer real retirement questions and unpack topics like evaluating financial products, understanding CPP timing, navigating RRIF taxes, and making informed pension and estate decisions. They break everything down in a clear and practical way that helps you apply the ideas to your own situation.They also walk through viewer scenarios involving TFSA withdrawals, cash wedges, planning timelines, and how different income sources work together once you stop working.DISCLAIMER: This content is for informational and educational purposes only and should not be considered financial, investment, tax, or estate planning advice. All investments involve risk, and past performance is not indicative of future results. Any forward-looking statements are based on assumptions and may differ from actual outcomes.Please consult a qualified professional for personalized retirement, tax, or estate planning guidance. Parallel Wealth and Adam Bornn are not responsible for decisions made based on this content.

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• 010 | Inheritance Taxes, Life Insurance, & RRIF Withdrawals Explained

  In this episode of Retirement Unpacked, Adam and Brett answer real viewer questions on retirement planning. They cover when to defer OAS to reduce taxes, whether a cash wedge actually helps your portfolio, and how to move funds from an RRSP or RRIF into a TFSA.They also discuss CPP while working, health and dental coverage in retirement, DIY investing with a professional plan, using permanent life insurance to cover taxes, and what to do with a $1M inheritance.Have a retirement question? Leave it in the comments – we might cover it in a future episode!

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