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6 ways to help cash-strapped retirees

Your client is on the verge of retirement, but you’ve just found out he’s been spending well beyond his means — so much so he…

Know your client’s retirement needs

As fresh market warbles hit worldwide stock indexes, many investors slammed down the brakes—or at least flinched—as their portfolios took a tumble. Most exposed to…

Get your newlywed clients on the same financial page

As the financial quarterback for my clients, it is important that I know about any life event and incorporate it into their financial plan.

Phased retirement: A choice or necessity?

Retirement has been redefined in the past few years for your aging clients; most commonly, people are continuing to work into their retirement years. But,…

Canadians squeezed by rising debt, dependants

The average bankrupt Canadian is older and has growing debt.

  • By: Staff
  • June 5, 2013 September 6, 2018
  • 05:56

I do intend to retire

Nigel Chamberlain (name changed) spent 35 years serving patients in his Calgary psychiatric practice and acting as an expert witness during court proceedings. But he’d…

Advisor analysis – Warren MacKenzie

Karen and Sam have two major objectives: to maintain their current standard of living in retirement and to care for their disabled daughter. They’ve done…

Premium Advice — Planning for the unexpected job loss

An unfortunate reality today is that some clients are finding themselves without work

Think twice before dumping bonds

Low interest rates are a serious obstacle to funding retirement—you knew that already. The question is, what do we do about it?

Too many boomers retire with debt

In July, a CIBC poll revealed a startling 59% of Canadian retirees are in debt. What’s most concerning is that only two years ago, that…

Fewer Canadians will retire at 66

The number of Canadians expecting to be retired at age 66 has declined by almost 50% in five years, finds Sun Life Financial’s annual Canadian…

  • By: Staff
  • May 22, 2013 September 6, 2018
  • 06:01

Timing retirement

The first Canadian baby boomers have hit official retirement age. Some may have retired early and later cohorts will wonder if they can follow suit.…

Advisor analysis – Bernie Clermont

Business owners often wait far too long to start retirement and succession planning. Karen and Sam need to see a financial planner as soon as…

Sequence of retirement meetings

Ian Adams of ScotiaMcLeod suggests the following timeline.

Happy retirees making life easier for Canadian advisors

Canada is a good place to be a financial advisor. A recent international survey of retirement attitudes and realities in different countries found that Canadians…

Hot topics: Relevance and future of retirement annuities

There are no guarantees with most financial products—but that’s not the case with annuities. Here’s a product that provides stable, secure income for life, eliminating…

  • May 2, 2013 April 21, 2023
  • 00:00

Advisor analysis – Mark Halpern

The first question I would ask Karen and Sam is, “Do you have a will?” With a will, they can name a guardian and structure…

Karen, Sam and Chloe: Retirement Resource Centre Case Study

Karen and Sam are saving for retirement and need to build a legacy for their daughter with a serious disability.

  • May 2, 2013 April 21, 2023
  • 00:00

A better place to park your clients’ cash

Back in March of 2010, the Canadian Foundation for Advancement of Investor Rights issued a report about the dismal state of money market funds

Boomers lack detailed budget

The prospect of insufficient retirement income keeps most Canadians up at night. But the third annual RBC Retirement Myths and Realities Poll reveals the majority…

Best ways to mature RRSPs

Your client wants the highest, most consistent income stream possible.

Wealthy Asian households retiring poor

Manulife examines the retirement income, real estate holdings and challenges of elderly households in Asian.

  • By: Staff
  • April 23, 2013 September 6, 2018
  • 08:50

Is an RRSP always worthwhile?

The conventional wisdom within the advisor community is "save, save, save." While this rule is almost always true, low-income clients may pose a slight exception.

  • By: Mark Noble
  • April 22, 2013 September 6, 2018
  • 05:55

Retirement planning for older parents

Women are more likely to have kids in their late 30s than they are in their early 20s. If clients delay parenthood, how does that…

Big dreams, low risk appetite

A couple asks for help with ambitious retirement goals.

  • By: Katie Keir
  • April 17, 2013 September 6, 2018
  • 05:55