Retirement Unpacked

In episode 38 of Retirement Unpacked, Brett and Gord break down options if you are paying high fees and not getting any advice, the attribution rules around joint non-registered accounts, what age you can split your RRIF income with your spouse, whether it makes sense to ladder your income if you're concerned about long-term care, if it makes sense to start CPP early so you can collect the PRB and invest your payments, and much more.
Later in the episode, Mathieu Huneault   joins to discuss a recent client situation where a couple sold their home and moved into their cabin full-time, and the planning considerations that came with it. We break down how the principal residence exemption combined with RRSP contributions were used together to help create a more tax-efficient plan.Chapters
0:00 Intro
0:46 Paying high fees and getting no advice
7:10 Joint non-registered attribution rules
12:48 DIY planning software
18:17 CPP disability calculation
21:33 What age can you split RRIF income
24:44 How to dispose of an RESP
32:37 How to calculate probate
35:38 How to plan for long-term care
40:05 Can you move money from LIF to spousal RRSP tax-free?
43:11 Taking CPP early, collecting the PRB and investing it
52:17 Principal Residence Exemption planning
1:01:25 Budgeting for trips

In episode 37 of Retirement Unpacked, Adam and Brett break down if it makes sense to withdraw more from your RRIF than you actually need, why your cashflow wedge should not be outside of your registered accounts, how to plan around an inheritance, RRSP and RRIF strategies if you are single, and much more.
Later in the episode, Maria Dawes from Capstone Asset Management joins to discuss values-based investing, what it is, how to align your investing with your values and worldview, and the key questions to ask your advisor if this is something that is important to you.Chapters
0:00 Intro
0:16 Withdraw more from your RRIF than you need?
3:39 Does income splitting have to be 50/50?
7:10 Use spousal RRSP vs. collecting GIS
11:05 Why can't your cashflow wedge be outside your registered accounts?
15:45 Borrow from home equity to max out TFSA?
19:28 How to plan for inheritances
25:10 What is the benefit to lowering the OAS clawback threshold?
30:34 Should you delay OAS to avoid the clawback?
38:40 RRSP/RRIF strategies for singles
42:45 DB survivor benefit & spousal drawdown timing
48:39 What is values investing with Maria Dawes
56:13 What are you really paying in fees?

In episode 36 of Retirement Unpacked, Kyle and Peter break down why having zero tax years in retirement can be detrimental to your plan, how retirees can protect themselves against inflation, how to plan around large capital gains in retirement, the best timeframe to judge your investment returns, and much more.
Later in the episode, Matthew Dennis joins to discuss the smith manoeuvre, the dangers of it, and when it makes sense for Canadians.

Chapters
0:00 Intro
0:18 Why are zero tax years bad?
3:39 How to protect against inflation in retirement
12:37 Spousal attribution rules around non-registered accounts
19:57 Should I cash out my entire RRSP?
22:45 How to offset a large capital gain in your 70s
28:35 The best timeframe to judge your investment returns
33:14 Managing inflation in retirement
37:54 Offsetting rental property sale with RRSP
42:21 When should you consider life insurance?
50:52 When does the smith manoeuvre make sense?
57:37 How to free up funds in a LIRA

In episode 35 of Retirement Unpacked, Brett and Jon break down RRIF successor annuitant vs. beneficiary designations, if it makes sense to do an RRSP meltdown if you have a large RRIF,TFSA, and non-registered account, whether or not you can contribute to CPP after you retire, how to determine the jurisdiction of your pension and much more.
Later in the episode, Gord Manzer joins to discuss the importance of organizing your financial world before you pass away, so your loved ones aren't left searching for documents, passwords, accounts, and other important financial details during an already difficult time.
Chapters0:00 Intro0:12 RRIF successor annuitant vs. beneficiary​4:41 Why meltdown a large RRSP?​11:10 Income splitting tax implications​16:13 RRSP matching while withdrawing from RRIF​20:18 Can you pay into CPP after retiring?​23:04 How does principal residence exemption work?​28:42 What is crystallization?​34:12 How to determine jurisdiction of a pension​39:33 Organizing your financial world before death​46:24 Importance of saving outside of your RRSP

In episode 34 of Retirement Unpacked, Michael and Paul discuss when it doesn’t make sense to delay your CPP and OAS, strategies to reduce taxes both during your lifetime and at death, estate planning considerations for blended families, and much more.
Later in the episode, Martin Goudreault joins to discuss why the shift from saving to spending can be challenging, and shares practical steps to help make that transition easier.
Subscribe to our clips YouTube channel: https://www.youtube.com/channel/UCwY3ZvNc_qCU-WuIKh-aulA
 
Chapters
0:00 Intro
0:33 When should you start CPP & OAS early?
3:40 How to pay less tax while alive
6:26 When is the my CRA TFSA number accurate?
8:57 How to avoid large tax on estate
12:50 Should you use whole life insurance to cover estate taxes?
16:05 Does an RRSP meltdown make sense at the highest tax bracket?
18:44 Why do I still owe taxes?
21:43 How to minimize estate taxes with RRIF drawdown
24:09 Should you draw more out of RRIF to income split?
26:30 Estate planning with a blended family
31:07 How to transition from a saver to a spender
40:43 Helping the next generation save in an FHSA