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Your retirement, in focus

Retirement Income Sequencer

Bring CPP, OAS, pensions and savings into one plan. Explore your withdrawal order, compare strategies and see your retirement income year by year.

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Free planning tool. Educational estimates, not financial advice.

Spotlight: retirement insights

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Pensions

We Both Have Employer Pensions. Can We Split Pension Income to Pay Less Tax?

10 min read

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Pensions

I Have a Pension. Should I Choose a Survivor Option for My Spouse?

14 min read

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Drawdown Sequencing

Sequence of Return Risk: How a GIC Ladder Can Protect Your First Years of Retirement

10 min read

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Drawdown Sequencing

Retiring at 55 on $10,000 a Month Before Tax: Same Savings, Different Spending Power

12 min read

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Retirement planning news & ideas

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Active retired couple enjoying a leisurely bicycle outing beside a Canadian lake

Drawdown Sequencing

Retiring at 55 on $10,000 a Month After Tax: The Planning Window from Accumulation to Income

With $300,000 in non-registered investments, $300,000 in TFSAs, and $800,000 in RRSPs, can a couple retire at 55 on $10,000 a month after tax? A candid look at sustainability and withdrawal planning for ages 55–65, 65–70, and 70+.

13 min read

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Strategy

Annuities in Canadian Retirement: How They Work, When to Buy and How to Fund One

Should you turn part of your savings into a personal pension? Learn how Canadian annuities work, where to buy one, the trade-offs, how to choose your timing, and whether to fund the purchase from registered savings, a locked-in account, non-registered investments or a TFSA.

9 min read

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Green countryside beneath a wide open sky

Strategy

6% or 15%? Buffett, the S&P 500 and Your Retirement Plan

Why do planners use returns near 6% when the S&P 500 has delivered much more? What Buffett actually recommended, why withdrawal timing matters, and practical strategies for Canadians before and during retirement.

9 min read

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Tax & Withdrawals

The RRSP Meltdown Strategy: Why Age 71 Matters

Withdrawing from an RRSP before mandatory RRIF payments begin can sometimes smooth retirement taxes. Learn what changes at 71, how the strategy works, and when early withdrawals could backfire.

7 min read

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Government Benefits

CPP Pension Credits and Credit Splitting: What Canadians Need to Know

Understand how CPP pension credits build your benefits, what happens to those credits after separation or divorce, and why credit splitting is different from sharing a CPP pension.

6 min read

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