Retirement Unpacked

On episode 60 of Retirement Unpacked, Brett Martinson and Michael Barichello   discuss how to think about investment returns and safe withdrawal rates in retirement, why your income wedge should be built into each individual account, if it makes sense to delay CPP if you already have many low income years, and much more.
Later in the episode, Martin Goudreault   joins the show to discuss a case study involving a couple how will be retiring with strong government pensions, but have been living paycheque to paycheque. Martin goes through how he helped them manage their cashflow, adjust their spending, and prepare them for the transition from employment income to pension income.
 
Chapters
0:00 Intro
0:34 Investment returns vs. withdrawal rates in retirement
6:08 Spousal loans explained
8:29 Why should your income wedge be built in individual accounts?
13:03 Should you delay OAS/CPP if you're receiving CPP survivor's pension?
17:28 Should you delay CPP if you already have many low income years?
21:00 Why not start CPP/OAS early when you're healthy?
26:38 Should you avoid contributing to an RRSP in bad markets?
32:50 Case study: Managing cashflow before retirement
43:07 Should you move money from a LIF to your RRSP?

On episode 59 of Retirement Unpacked, Gord Manzer and Paul Grenier   discuss the future of Old Age Security and if you should start planning for potential changes, how you should build in a potential inheritance into your retirement plan, whether you should withdraw from your RRIF or LIF first, tax planning for large RRIF balances in your 80s, and much more.
Later in the episode, Jon Kutney joins the show to discuss Prescribed Retirement Income Funds (PRIFs), what they are, how they work, and how they fit into your retirement plan.
 
Chapters
0:00 Intro
0:42 The future of Old Age Security
4:25 Do RRIFs and LIFs have successor holders?
7:50 How should you plan for an inheritance?
12:14 Should I defer my RRSP deduction until retirement?
19:22 Should you withdraw from your RRIF or LIF first?
24:28 Should you level out your average tax rate through retirement?
28:58 Should you defer OAS if you're in clawback territory?
34:08 Tax planning for large RRIF balances in your 80s
38:46 Do we have any women on our team who are CFPs?
40:30 Should I get a plan before changing brokerages?
45:30 What are PRIFs?
52:26 Retirement planning when you're 15+ years away

On episode 58 of Retirement Unpacked, Adam Bornn and Kyle Martins discuss whether withdrawal strategy or asset allocation is more important in retirement, when living trusts can make sense, how singles vs. couples are taxed in retirement and why singles are at a disadvantage, when it makes sense to contribute to an RRSP in retirement, and much more.
Later in the episode, Aaron Cramer joins the show to discuss a case study of how the timing and duration of your RRSP meltdown can impact your estate and overall flexibility of your retirement plan.
 
Chapters
0:00 Intro
0:23 Is withdrawal strategy or asset allocation more important?
4:21 When do living trusts make sense?
8:38 Income planning with GICs in retirement
11:57 Taxation of singles vs. couples in retirement
17:38 How does the CPP survivor's pension work?
20:59 When should you claim your DB pension?
24:33 Principal residence exemption when selling below fair market value
27:32 When should you contribute to your RRSP in retirement?
31:53 RRSP meltdown timing case study

On episode 57 of Retirement Unpacked, Adam Bornn and Matthew Dennis discuss why we often suggest delaying CPP but not OAS, when you should actually use your income wedge, gifting strategies and which accounts you should consider gifting from, and much more.
Later in the episode, Kyle Martins joins the show to discuss some of the planning considerations Canadian retirees need to know as we approach the end of 2026.

Chapters
0:00 Intro
0:18 Why delay CPP but not OAS?
3:08 When should you use your income wedge?
8:34 Should you ever live off your TFSA in retirement?
15:11 Gifting money from your TFSA vs. non-registered
18:11 CPP timing when you expect to receive an inheritance
22:13 Can you protect an inheritance from a divorce?
24:35 LIRAs vs. annuities: What is better?
28:49 Does Parallel Wealth support blended families?
30:33 Considerations when gifting money
37:55 Planning considerations for year end
41:10 When does CPP sharing make sense?

On episode 56 of Retirement Unpacked, Adam Bornn and Gord Manzer discuss if there is a minimum RRSP amount needed to delay your CPP to 70, when CPP sharing can make sense, whether you need an income wedge for your entire retirement, how to manage large capital gains in retirement, moving money from your RRIF to your TFSA, and much more.
Later in the episode, Peter Filippakis joins the show to discuss some of the nuances around the principal residence exemption, and some scenarios where you are not eligible to claim it.
 
Chapters
0:00 Intro
0:18 Delaying CPP: Is there a minimum RRSP amount needed?
3:48 Can you have OAS withheld at source to avoid instalments?
7:09 Does CPP sharing make sense?
11:09 CPP survivor benefit: What happens if you delay CPP to 70?
13:14 Income splitting to avoid OAS clawback
17:50 Do you need an income wedge for your entire retirement?
20:59 How to manage large capital gains in retirement
25:39 How selling propery affects OAS clawback
30:32 Does it ever make sense to defer a HOOPP pension?
33:26 Moving money from your RRIF to your TFSA
36:33 The Nuances of the principal residence exemption
41:35 When should you actually use your income wedge?