Your Canadian Retirement Specialist

When it comes to retirement planning, successful retirees have common traits that contritube to their financial security. One such trait is their ability to establish good money management practices from a young age, which allows them to take advantage of compounding interest over time. Equally significant is the practice of staying within one's financial limits and prioritizing saving money. Another trait is the ability to remain calm and focused during periods of market volatility. Staying calm when facing market volatility, allows you to steer clear of impulsive financial choices driven by market fluctuations. In the episode, Joseph Curry and Regan Schiller chat about these common traits that their successful clients share: Good money habits An understanding of the inevitability of market turbulence Sticking to well-formulated plans rather than panicking during market lows These retirees are more likely to achieve their financial goals and enjoy a comfortable retirement. In today's episode, you'll learn how to: Craft robust retirement strategies in collaboration with experienced financial advisors. Cultivate a fulfilling and satisfying retirement lifestyle. Build a stable financial future by diversifying your investment portfolios. Safeguard your retirement savings by maintaining a strong cash reserve. Adapt your retirement plan in response to market shifts and potential risks. Resources in Today's Episode: Joseph Curry Regan Schiller Mastering Your Retirement Finances: A Step-by-Step Guide to a Solid Retirement Income Plan We want to show you exactly how to develop a predictable income plan for your retirement, so you can enjoy financial stability and satisfaction during your golden years. Joseph Curry and Regan Schiller have partnered together to bring you practical advice and insights from their experience in retirement planning. They've helped countless individuals like you navigate the often-overwhelming world of financial planning and find peace of mind in knowing they've set themselves up for success in retirement. Joe and Regan will take you through the steps they've used to create income plans for their clients, sharing their expertise and personal stories along the way. Retirement is a significant milestone in one's life, and having a predictable income plan plays a crucial role in ensuring financial stability and satisfaction during those golden years. In a world where financial markets are constantly evolving, and economic uncertainties are on the rise, it is essential for retirees to have a well-rounded financial plan in place to maintain their desired lifestyle. A financial advisor can provide valuable guidance in developing a plan to tackle your retirement plan, helping you achieve greater financial freedom in the long run. Once you have a clear picture of your current financial situation, it's time to envision your retirement lifestyle and develop an appropriate roadmap to get there. The following are a few common trends amongst retirees that will determine your success: Save Early, Save Often Often it comes down to being a good saver. Many successful retirees have a lifetime of good money habits, and they know where they spend their money. They have started young and made a habit of putting money aside. For example, you may put away $50 a month into your RSP. It doesn't seem like a lot but if you've been doing this for 30-40 years, it starts to compound. Stick to the Plan Accomplished retirees demonstrate the ability to adhere to their financial plan and maintain the discipline to avoid impulsive reactions. With a reliable income strategy in place, market turbulence is less likely to impact your monthly earnings significantly. Align your Values with your Spending It's crucial to be completely honest with your financial planner about your spending habits. When you can candidly assess your expenses and where your money goes, you'll gain a deeper understanding of how to align your spending with your core values. Reach your Financial Goals and Sleep at Night You'll want your financial planner to consider your personal comfort level when determining the ideal amount of cash to maintain in your account. This is often referred to as your "peace of mind" fund. It's not meant to be spent; rather, it's there to ensure that you can sleep soundly at night. You should have confidence that your investments are working effectively for you and that you have a clear path toward maintaining your desired lifestyle. It's all about not only helping you achieve your financial goals but also ensuring that you can rest easy. Your Lifestyle in Retirement As you approach retirement it's also important to think about purpose. Many people identify with their career, and they pour their heart and soul into their career. When you arrive at retirement, without a sense of purpose or drive, retirement can feel unfulfilling. People who have planned out what the next stage of life looks like before they actually get there

End-of-life discussions are important for both you and your family. These decisions can give you peace of mind, knowing your loved ones will be cared for when you pass. End-of-life planning helps you answer several difficult questions. What happens if you become incapacitated and unable to manage your assets? What are your preferred medical treatments for end-of-life care? Who will manage your estate and distribute your wealth after passing? Who will inherit your property, money, jewelry, or heirloom items? What are your final ceremonial wishes after passing? Tune into today's episode for guidance on how to have these important discussions with your loved ones. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Are you wondering what's causing Canada's inflation rate, and how it will affect you? In today's episode, I discuss different causes of inflation and their effects. If you invest heavily in bonds and fixed-income investments with a lower rate of interest, you will experience a decline in the purchasing power of your money as the inflation rate surpasses the interest rate. In order to factor in the future purchasing power of your investments, it is important to have a well-diversified portfolio. This includes investing in several different types of security that are diversified in terms of sector, markets, currency and even country. This helps to mitigate your risk and maintain the integrity of your investment. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Often when planning for retirement, we overlook the non-financial aspects in the planning process. In this episode, I sit down to chat with Susan Hogan of Inspired Retirement, which offers non-financial retirement planning, insight and support for recent and soon-to-be retirees. Retirees learn what to expect from retirement: physically, mentally, socially and emotionally, and develop their own personal, non-financial, retirement plan. Inspired Retirement Programs are available as One-on-One Coaching or as an online Do-It-Yourself Coaching program. Visit www.regan.inspiredretirement.ca for more information including a download available only to listeners of Your Canadian Retirement Specialist. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! About Susan: Susan Hogan helps people who are close to retirement, or recently retired, to prepare for the NON- financial aspects of retirement. Through her lessons and coaching, Susan helps clients to consider practical ways to maintain good health and quality of life throughout the aging process. She is passionate about helping retirees to re-define who they are once they're done working and discover the pursuits that will engage and excite them in their new-found freedom from work. Because Susan is convinced that retirement has the potential to be the happiest time in a person's life, she built her coaching program, called Inspired Retirement, to help retirees discover their unique journey to a purposeful and satisfying retirement. Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

When it comes to being taxed on investments, there are two scenarios that require you to pay taxes: When you withdraw income from your investments. When you sell your investment and make a gain. Tune into today's episode to learn which types of investment accounts to invest in, as well as how to strategically time your investment withdrawals. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

What is financial wellness? And how do you achieve it? Improving financial wellness is about practicing better money habits, setting goals and taking steps to achieve them, all with the aim of improving your overall quality of life. In this episode, I discuss what can be done to create your own financial wellness, and give you tips on how to get started. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Getting your retirement plan right is crucial; you need to be confident that your money will last throughout your retirement, while giving you the standard of living you need. That's why it's important to have a solid financial plan and also dependable advice. There have been a number of myths about retirement planning circulating for years that can have a negative impact on your retirement plans. Let's take a look at some of the more common ones and the reality that lies behind them. Join me in conversation with Senior Vice-President, Financial Services at IG Wealth Management, Herp Lamba. We chat about common myths and mistakes when it comes to retirement planning. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Connect with Herp Lamba: LinkedIn: https://linkedin.com/in/herplamba/ Herp Lamba is a Senior Vice-President, Talent Acquisition – National Advisor Network, for IG Wealth Management. While promoting Diversity, Equity and Inclusion, his focus is leading and inspiring advisors and directors to provide the very best outcomes for the Canadian families we serve. Developing high impact leaders that make a positive and lasting difference in the lives of others is his passion. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Are you thinking of adding your adult child as a joint owner to any of your properties? If so, you should be familiar with the legal and tax consequences of joint ownership. Joint Tenancy vs. Tenancy In Common The common law, which applies in all Canadian provinces except Québec, recognizes the following two forms of joint ownership: Joint tenancy, sometimes also referred to as joint tenancy with a rightof survivorship, whereby each owner has an equal and identical interest to each other owner. When one of the owners dies, his or her interest is transferred by an automatic right of survivorship to the surviving joint owners. Tenancy in common, whereby the interests of each owner do not need to be identical. When one of the owners dies, his or her interest is transferred to his or her estate, from which it is distributed in accordance with his or her will. If there is no will, then it is distributed in accordance with the intestate succession laws of the deceased owner province or territory. This podcast only addresses the joint tenancy form of ownership. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Planning for your financial future and retirement is an exciting process. You probably have a list of things in your mind that you would like to save for, including places you want to go, sites that you want to see, and experiences you want to have. The good news is that you can arrange for a satisfying retirement with adequate planning, smart investing, and expert financial advice. This includes planning for what can't be planned. One of the main reasons financial goals are not achieved is the failure to account for the unpredictable. If world events show us anything, it's that life is full of surprises, and while we cannot predict them all, we can make flexible plans to help cushion the unexpected. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

A family investment trust might be right for you if you have cash and investments that are not needed to fund your own lifestyle needs, plus a desire to either establish an investment fund for the next generation or provide funding for schooling or other extra expenses for a child or grandchild. A family investment trust can enhance the accumulation of capital for children or grandchildren in a tax efficient manner and reduce the after-tax cost of paying for their non-essential expenses. Join me in conversation with estate planning lawyer, Michael Klaray as we go through some of your questions on estate planning and family trusts. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Connect with Michael Klaray: LinkedIn: https://www.linkedin.com/in/michael-klaray/ Michael's practice is focused on estates, including planning, administration, adult incapacity, elder issues and litigation. By drawing on his understanding of taxes, businesses, corporate law, farming, and family law, Michael effectively meets the needs of each client's unique circumstances. His years of experience in his field give him a comprehensive understanding of estates, how to prepare for transfers of wealth, and tax efficiency, all while avoiding any potential future legal challenges. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

For many families, it is much more important to preserve the family cottage than any other asset. Those who want to leave the cottage to their children must plan for the tax consequences and disputes which may arise upon their death. The concepts here apply to any vacation property, including a ski chalet or condo. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Getting your retirement plan right is crucial; you need to be confident that your money will last throughout your retirement, while giving you the standard of living you need. That's why it's important to have a solid financial plan and also dependable advice. In this episode, I go over some common outdated ideas and beliefs around retirement planning, and the reality that lies behind them. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

In today's episode, Philip Petursson, the Chief Investment Strategist at IG Wealth Management, joins me in a discussion on increases to inflation and interest rates, and how these changes affect Canadians. We also touch on equity markets, fixed incomes, "quantitative easing", and employment rates. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Philip: LinkedIn: https://www.linkedin.com/in/philip-petursson Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Do you have big dreams for your retirement? How do you manage your expectations alongside the reality of your situation? Being able to retire comfortably at the age of 65 is an ideal that the majority of the working population aspires to. However, while the expectations are high, the reality is that without adequate planning, many retirees simply won't have sufficient savings to comfortably make it through the retirement years. In order to realistically manage the expectations you have for retirement, you need to define your financial goals in relation to the lifestyle you wish to pursue. In today's episode, I give you some tips on how to do that. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Investing for retirement requires a proactive approach that considers many factors. As part of your investment strategy, you will need to understand the opportunities and challenges that contribute to reaching your retirement goals or will hold you back. There are several key concepts that can help you formulate a solid strategy: How long is your investment window? What are your plans for retirement? How much money do you need to fund a comfortable retirement? How much money can you afford to invest in pre-retirement in order to fund your desired retirement lifestyle? Being aware of what works and what doesn't work is important, as it will help you stay on track with meeting your retirement goals more effectively. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

In today's episode, Caval Olson-Lepage and I talk about financial literacy and education in Canada, and how a financial planner can help you, no matter what stage of life you are in. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Regan's Social Links: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his CERTIFIED FINANCIAL PLANNER, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Get in touch with Caval Olson-Lepage: Website: https://www.cavalolsonlepage.com/ LinkedIn: https://www.linkedin.com/in/cavalolsonlepage/ Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Although there are similarities between the laws for common-law and married couples, in Alberta there are significant differences you should know about – especially in the areas of tax planning, family law, and estate planning. Are you living in a common-law relationship? Do you know what that means from a tax and legal perspective? Many individuals involved in these types of relationships do not understand what their rights may or may not be. The following is a brief synopsis of some of the more important personal planning issues you should consider. However, it is always important in these situations to confer with a lawyer in your jurisdiction to ensure that you receive advice that is relevant to your personal situation. Today's episode discusses what you need to know about living common-law in Alberta. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Confused about when to start withdrawing from your CPP? Some say wait until 70 others say start at 65, read on to find the solution that's right for you. When is the perfect time to begin drawing upon your Canada Pension Plan (CPP)? This is a question many of our clients have. Sheer numbers and calculations reveal that waiting until age 70 to draw upon CPP will bring you the highest CPP payments. However, there is no one-size solution for everyone. In today's episode, I discuss different scenarios that will help you decide when the best is for you to start withdrawing from you CPP. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

In today's episode, Annamaria and I talk about how advancements in tools and technology have enhanced the experience for you, the client. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Regan's Social Links: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his CERTIFIED FINANCIAL PLANNER, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Connect with Annamaria: LinedIn: https://ca.linkedin.com/in/annamariatestani Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Retirement doubts? With some thoughtful planning for your finances, health and well-being, and social life, your retirement can be comfortable. Retirement can be a wonderful time of exploration and discovery. Many look forward to retirement for the freedom and opportunity it gives. But what happens when retirement comes unexpectedly? Pre-planning for retirement will help the transition go smoothly. For some, retirement is not a choice. In some cases, sickness or injury forces you to retire early. For others, a company may let you go earlier than expected, or you might have to step away from work to take care of a family member. Whatever the reason, retirement can be difficult when it comes on suddenly. It can be daunting to retire, especially for those who are not prepared. When retirement is not your choice, letting go of your old life and job can be very challenging. To help conquer the scary parts of retirement, let's go through each stage and how to work through them. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Market uncertainty can be scary, but there are opportunities and strategies to strategically rebalance your investments for lower risk. When the market gets rocky, it's normal to feel uncertain about your investments. We all hope for the optimal circumstances that see our portfolios skyrocket. Still, the reality is those situations are optimal and not guaranteed. An uncertain market doesn't mean beneficial returns are impossible. Still, it does require proactive monitoring of the markets and the willingness to rebalance your portfolio when the conditions are right. In this episode, we talk about how - and when - to tactfully rebalance your portfolio. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Finding the right financial planner is a very personal, highly-sensitive task. After all, you are trusting this person to help you manage your money so that you and your loved ones can enjoy a secure, stress-free future. Having wisdom and expertise can help you avoid potentially costly mistakes that can occur when you manage your finances on your own. In today's episode, Stephen Struthers and I discuss ten insightful questions you can ask when comparing financial planners to see if they are the best fit for your unique needs. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Regan's Social Links: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his CERTIFIED FINANCIAL PLANNER, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Stephen's Social Links: Linkedin - https://www.linkedin.com/company/struthers-wealth-management/ or https://www.linkedin.com/in/stephenstruthers/ Facebook - https://www.facebook.com/StruthersWealthManagement/ IG Consultant Page - https://advisor.investorsgroup.com/en/stephen_struthers Stephen Struthers is a CERTIFIED FINANCIAL PLANNER professional, Chartered Life Underwriter, and Registered Retirement Consultant. He is an Executive Financial Consultant licensed under Investors Group Financial Services Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Retirement is about more than just finances; you need to take care of your mental health as well. Here is how to make a healthy plan for your future. There are many life changes that happen when one is no longer employed. These changes can be subtle, or they can feel very intense. Financial stability may become a greater fear. There can be a sense of loss and even mourning. Your sense of purpose or importance may waiver. Without your co-workers, you may feel the activity in your days becoming stale and isolating. Your feeling of ability and direction may begin to wane. And, eventually, you may ask yourself, what now? In today's episode, I go over some strategies that will help you transition into retirement while taking care of your mental health. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Ever wondered how to make the most of your TFSA? Did you know that you can use your TFSA to fund your retirement? Read on to learn how to maximize your TFSA. Having enough money to retire comfortably can be daunting, but it doesn't have to be if you know how to make the most of your savings plan! While many people rely on a Registered Retirement Savings Plan (RRSP) to guide their retirement-focused savings, there is another option to consider. This alternative might be more beneficial to your financial goals. In today's episode, I give you four tips on how you can use your TFSA to save for your retirement. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Join Regan Schiller and Ashish Utarid as they reflect on 2022 and share what's to come in 2023. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Ashish: LinkedIn: https://www.linkedin.com/in/ashishutarid Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Adjusting to a new schedule and new goals is never easy at any stage of life. Retirement can be an overwhelming experience. Transitioning out of full-time work can be challenging and is a giant step toward a new lifestyle. As a result, it's essential to focus on a smooth change to make retirement enjoyable. There are at least seven things to consider that this episode will highlight. Each point is unique to each individual, and for some, there may be other equally important areas of focus, but in general, this is a great place to start. Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. With our cold winter climate, many Canadians dream of spending more time in the sun. If you are thinking of making this dream a reality and buying a home in Florida, Arizona or another warm-weather destination in the U.S, it's important to consider the tax implications on both sides of the border. This episode provides a brief overview of selected U.S. and Canadian income tax consequences for Canadians owning U.S. real estate as personal-use property. I also briefly discuss some of the implications of renting your property. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Physical activity is beneficial at any age, and with extra time in retirement, there's no better opportunity to increase or start physical activity. According to the CDC, being physically active can: Improve your brain function Help manage your weight Reduce your risk of disease Strengthen your bones and muscles Staying active in retirement can feel like a challenge when you don't know where to begin. In today's episode, Regan shares five easy ways to get active on your terms. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Join Regan Schiller as he interviews Rob Carrick, a podcaster (Stress Test) and personal finance columnist for The Globe and Mail. They discuss many topics including: - Personal financial advice for everyone, including 20-somethings - How to marry your passion to what is economically viable - Renting vs. purchasing your home Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Rob: Website: https://robcarrick.ca/ Twitter: https://twitter.com/rcarrick Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. In this episode, Regan talks about three ways to make the job of your executor easier. He also discusses... What an executor is and what an executor does What the responsibilities of an executor are What happens if you don't have an executor Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Did you know that most Canadians either receive a refund on their taxes or owe nothing at all? Only a small percentage have a balance owing. But no matter where you land on the chart, there are ways to get more from your tax refund or help lower the amount you owe. The first and most obvious tip is to file your taxes on time. Filing your taxes late means that you'll be charged a late fee in addition to any interest on your balance if you owe money. Submitting your tax file by the deadline is the easiest way to save money. In this episode, we talk about seven ways to receive a larger refund on your annual taxes. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Join Regan Schiller as he interviews Tom Vowell, Retired Vice President and Private Wealth Manager at Investors Group. They discuss many topics including: - Transitioning into retirement, in a good way - How to know when it's the right time to retire - How to enjoy everyday life while also planning for retirement Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Television commercials about retirement often depict dream vacations, endless bowling games, luncheons with the ladies, or playing cards with friends in the middle of the afternoon. They show scenes of freedom and fun, but retirement can be a nightmare for some. Answering a few questions for yourself now (or at least starting to think about them) can be a great way to make sure your retirement feels great. In this episode we talk about what nobody talks about when it comes to retirement. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Managing your personal finances and money can sometimes require outside aid. However, deciding what kind of financial assistance is required can be difficult. The main decision that individuals need to consider when searching for financial support is the kind of professional that suits their needs best. Two common choices are financial coaches and financial advisors, each of which has unique techniques and benefits to offer when managing finances. Deciding which professional to employ is an important decision, and understanding what each of them does will help you make a decision that suits your financial needs. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Regan sits down with psychologist, Graeme Clark to chat about some of the psychological challenges we face when transitioning into retirement. Some of the topics they discuss include: How men and women differ when transitioning into retirement. How to create a social network prior to retiring. Healthy habits and other factors that contribute to a successful retirement. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Regan's Social Links: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Get in touch with Graeme Clark: LinkedIn: https://www.linkedin.com/in/graeme-t-clark Website: rivercitycoaching.ca Regan Schiller holds his CERTIFIED FINANCIAL PLANNER, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA Popular wisdom suggests that as people accumulate wealth their need for life insurance decreases. However, permanent life insurance is a financial tool with unique tax benefits. Many affluent families find significant value by using life insurance to protect and even enhance their wealth. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA Changes to Canadian tax law sometimes creates myths around what can and can't be done to lower a tax bill. This is the case with income splitting, which many Canadians now believe can't be done. The good news is that income splitting is still a strategy that families can use to save money annually. If you and your spouse are looking for ways to lower the amount you pay in income tax, then income splitting might be the ideal solution for you. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA In this episode, Regan Schiller and Stephen Struthers sit down to discuss some of the common mistakes and misbeliefs and of pre-retirees, and how to avoid them. Regan's Social Links: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his CERTIFIED FINANCIAL PLANNER, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Stephen's Social Links: Linkedin - https://www.linkedin.com/company/struthers-wealth-management/ or https://www.linkedin.com/in/stephenstruthers/ Facebook - https://www.facebook.com/StruthersWealthManagement/ IG Consultant Page - https://advisor.investorsgroup.com/en/stephen_struthers Stephen Struthers is a CERTIFIED FINANCIAL PLANNER professional, Chartered Life Underwriter, and Registered Retirement Consultant. He is an Executive Financial Consultant licensed under Investors Group Financial Services Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA Many people designate a beneficiary of their RRSP, RRIF, TFSA or insurance policies without giving it a second thought. However, there are many cases where designating a direct beneficiary is not recommended. Today's episode is a bit of a "cheat sheet" as to when direct beneficiary designations should - and should not - be used. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page: https://www.youtube.com/channel/UCvH9vahqj4lByV2TYAXhGgA Many people seek the recommendations of a financial advisor to determine where to put their money, but it's equally important for a financial advisor to provide you with a strategy for withdrawing from those sources. Your withdrawals can impact your tax bracket, taxes at death, and other essential components of your financial plan. Let's take a closer look at some of your potential retirement funds. Then, we'll turn to one account in particular, the RRIF (Registered Retirement Income Fund), to learn how to maximize your withdrawals, minimize your tax payments, and ensure your wealth is maximized. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan and Old Age Security can be found at: www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Join Regan Schiller as he interviews Gary Rabbior, President of the Canadian Foundation for Economic Education (CFEE). They discuss many topics including: Financial Education opportunities for Canadian teens and young adults How parents can start discussing finances with their children The future of financial education in schools Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Canada has one of the world's most reliable pension plan systems. In a 2020 study, Canada ranked 9th out of 39 countries for sustainable and adequate pension programs. Overall, the Canada Pension Plan (CPP) is well run and managed to ensure that the benefit will be sustainable for many generations to come while providing a dignified minimum standard of living. Despite this ranking and knowledge, many Canadians face the common fear of not reaping the maximum benefit of their contributions. Consequently, far too many Canadians begin withdrawing from the CPP as early as possible for fear they may pass away without benefiting from the fund. While this attitude is understandable, it's often more harmful than helpful, and in this episode, we'll look at why. Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

Many couples who have a significant difference in income levels, whether married or common-law, seek strategies to help bridge that gap and save on taxes. The spousal Registered Retirement Savings Plan (RRSP) is a flexible savings option that allows one spouse to share retirement income with their spouse and offers some additional tax savings for the higher income earner. The main strategy when it comes to Spousal RRSPs is to carefully consider the timing of your contributions and withdrawals to avoid paying unnecessary penalties or increased taxes, which we discuss in detail in this episode. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

In this episode, Regan chats with educator in financial services training, Jason Watt. They discuss the landscape of financial planning education and certification, courses and designations, as well as financial literacy. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Jason Watt: Twitter: https://mobile.twitter.com/jasonwattbcc LinkedIn: https://www.linkedin.com/in/jasonwattclu/ Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

When it comes to a retirement plan, it's difficult to know what your target should be. Although some people will tell you there is a specific amount of money you need to have, the reality is that everyone's retirement needs are distinct. And, beyond that, there is actually a lot to consider before you start trying to calculate what will give you financial independence. After all, someone who plans to travel the world will have very different plans than someone who settles down in a retirement community. Join Regan as he walks through the main steps in "finding your number." Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at https://www.canada.ca/en/services/benefits/publicpensions.html Music courtesy of LesFM: https://lesfm.net.

You've worked hard to build your wealth and you want to take control of your legacy; but where should you start? Every estate plan is different and your plan should address your particular needs. Whether you own a business, have a blended family or share a vacation property, your estate plan should ensure your wishes are clear, your family is protected and your legacy will live on. There are many elements that make up a properly structured estate plan; and many misconceptions about the process as well. In this 2-part episode, Regan will clarify what you need to know to create the right plan for your loved ones. Part 1 answers your questions about Wills and Power of Attorney. While Part 2 covers Taxation at Death, Probate Fees and Testamentary Trusts. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at https://www.canada.ca/en/services/benefits/publicpensions.html Music courtesy of LesFM: https://lesfm.net.

In this episode, Regan chats with Anne Haas, Regional Director at Canada Life. They discuss Permanent Insurance and Estate Planning for Canadians. Life Insurance can be very confusing. We hope that this video will help you better understand Permanent Insurance and how it can positively impact your retirement plan. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. Check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc.Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. LIRA regulations vary provincially. For more information on LIRA in your area, please refer to your provincial government's website. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Music courtesy of LesFM: https://lesfm.net.

You've worked hard to build your wealth and you want to take control of your legacy; but where should you start? Every estate plan is different and your plan should address your particular needs. Whether you own a business, have a blended family or share a vacation property, your estate plan should ensure your wishes are clear, your family is protected and your legacy will live on. There are many elements that make up a properly structured estate plan; and many misconceptions about the process as well. In this 2-part episode, Regan will clarify what you need to know to create the right plan for your loved ones. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Music courtesy of LesFM: https://lesfm.net.

As you approach retirement age, you may start imagining that last day at work before retirement. What will it feel like? What will you do next? In your dreams, your last day of work might involve good food, a decorated cake, balloons, maybe even farewell and thank you gifts as you say 'goodbye' to your co-workers. Your last day at work should be a meaningful event deserving of a celebratory day. But the truth is the majority of Canadians don't know very far in advance when their last day of work will be. This can lead to retirement shock, a phenomenon experienced more often by those who unexpectedly retire early. In this episode, Regan gives you five tips to help you avoid or overcome retirement shock. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Music courtesy of LesFM: https://lesfm.net.

In this Episode, Regan sits down with Head of Sustainability at McKenzie Investments, Fate Saghir. to talk about Environmental, Social and Governance (ESG) investing, and how ESG investing can fit into your portfolio. Environmental, social and governance (ESG) investing is a strategy you can use to put your money to work with companies that strive to make the world a better place. ESG investing relies on independent ratings that help you assess a company's behavior and policies when it comes to environmental performance, social impact and governance issues. Comment below with any questions or topics you'd like us to cover! And don't forget to subscribe for the latest updates. And, check out our master class on Retirement Planning for an in-depth look into our planning process and to apply to become a client: https://value.schillerandassociates.com/retirement Prefer to watch videos to get great information? Check out our YouTube Page. Thanks for tuning in to Your Canadian Retirement Specialist! Connect with Fate: LinkedIn: https://ca.linkedin.com/in/fate-saghir Learn more about Timea's Cause: https://www.timeascause.com/ With more than 15 years' experience in financial services, Fate Saghir leads Sustainability at Mackenzie Investments. Fate is also the Chair of the Sustainability Steering Committee and the Head of Mackenzie's Sustainability Centre of Excellence, dedicated to developing capabilities and enriching technical expertise of environmental, social and governance (ESG) factors in support of corporate strategy, investment management practices and sustainable product offerings. Fate has a Bachelor of Commerce from the University of Windsor and is a Chartered Professional Accountant (CPA, CMA). Connect with Regan: Facebook: https://www.facebook.com/yourcanadianretirementspecialist LinkedIn: https://www.linkedin.com/in/schillerandassociates Website: https://schillerandassociates.com/ Regan Schiller holds his Certified Financial Planner, Registered Retirement Consultant and Certified Life Underwriter designations. He is an Executive Financial Consultant licensed under Investors Group Securities Inc. Mutual funds and investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm). Additional investment products and brokerage services are offered through Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently, and past performance may not be repeated. Additional information on the Canada Pension Plan can be found at www.canada.ca/en/services/benefits/publicpensions.html. Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company. Music courtesy of LesFM: https://lesfm.net.