Retirement Unpacked
Episodes
032 | How Is Your CPP Estimate Actually Calculated?
18 Apr 2026
Contributed by Lukas
In episode 32 of Retirement Unpacked, Brett and Peter  break down fee-for-service vs. ongoing financial planning, the assumptions behind your CPP es...
031 | If You're Retiring Early, What Happens To Your CPP?
11 Apr 2026
Contributed by Lukas
In episode 31 of Retirement Unpacked, Adam and Gord  break down if it makes sense to delay your OAS, what happens to CPP if you retire early, the pr...
030 | When Is The Best Time To Start An RRSP Meltdown?
04 Apr 2026
Contributed by Lukas
In episode 30 of Retirement Unpacked, Kyle and Mathieu break down what age you should think about starting an RRSP meltdown, whether there's a nee...
029 | If You've Maxed Out CPP, Do Not Make This Timing Mistake
28 Mar 2026
Contributed by Lukas
In episode 29 of Retirement Unpacked, Adam and Matthew break down whether delaying OAS is actually worth it, if one spouse should start CPP early when...
028 | Why You Feel Nervous About Retiring (And What To Do)
21 Mar 2026
Contributed by Lukas
In episode 28 of Retirement Unpacked, Brett and Michael break down if children receive any CPP benefit if their parents pass away, when spousal loans ...
027 | What Market Drop Should Trigger Using Your Cashflow Wedge?
14 Mar 2026
Contributed by Lukas
In episode 27 of Retirement Unpacked, Adam and Jon break down what percentage drop in the market should trigger using your cashflow wedge, whether or ...
026 | The Truth About Living On CPP & OAS In Your 80s
07 Mar 2026
Contributed by Lukas
In episode 26 of Retirement Unpacked, Adam and Brett break down future TFSA contribution limit projections, how OAS clawback can affect withdrawal str...
025 | The Hidden OAS Trap Canadians Never See Coming
28 Feb 2026
Contributed by Lukas
In episode 25 of Retirement Unpacked, Adam and Paul break down how OAS clawback works year to year, whether it still makes sense to delay CPP to 70 if...
024 | The RRSP Mistake Most Retirees Ignore Until It’s Too Late
21 Feb 2026
Contributed by Lukas
In episode 24 of Retirement Unpacked, Brett and Matthew break down rate of return assumptions and what to do if the market significantly outperforms y...
023 | Retiring With A LIRA, TFSA, RRSP, & Non-Reg: Where Should You Withdraw First?
14 Feb 2026
Contributed by Lukas
In episode 23 of Retirement Unpacked, Adam and Brett break down tax planning strategies for high net worth retirees, how non-registered accounts can b...
022 | If You Want to Pay Less In Fees, Ask Your Advisor This
07 Feb 2026
Contributed by Lukas
In episode 22 of Retirement Unpacked, Brett and Kyle break down questions you should be asking your financial planner and also how to ask to have your...
021 | A Better Way To Think About Asset Allocation In Retirement
31 Jan 2026
Contributed by Lukas
In episode 21 of Retirement Unpacked, Adam and Michael break down a number of questions we have gotten about the cashflow wedge. They discuss wheth...
020 | CPP Survivor Benefit Explained
24 Jan 2026
Contributed by Lukas
In episode 20 of Retirement Unpacked, Brett and Jon dive into CPP survivor benefits and whether delaying CPP can impact your survivor payout, the tax ...
019 | If Your Portfolio Doesn’t Have This, Your Retirement Might Suffer
17 Jan 2026
Contributed by Lukas
In episode 19 of Retirement Unpacked, Adam and Brett break down what age your RRIF should be fully depleted by, how to have conversations about gene...
018 | Is It A Mistake To Wait Until 65 To Convert Your RRSP?
10 Jan 2026
Contributed by Lukas
In episode 18 of Retirement Unpacked, Brett and Matthew break down how to think about generational wealth, including how much of a buffer to hold befo...
017 | The Right Way To Draw Down Your RRSP And RRIF In Retirement
03 Jan 2026
Contributed by Lukas
Retirement planning does not stop once you leave work. In many ways, it becomes even more important. In this episode, Adam and Kyle answer real listen...
016 | TFSA Transfers, RRSP Withdrawal Timing, & Using a Cash Wedge
27 Dec 2025
Contributed by Lukas
This episode of Retirement Unpacked tackles the kinds of retirement questions Canadians actually ask once the details start to matter. Adam and Brett ...
015 | Why Most Retirees Struggle to Spend Their Money
20 Dec 2025
Contributed by Lukas
In this episode of Retirement Unpacked, Adam and financial planner Jon Kutney answer real retirement questions from Canadians navigating the transitio...
014 | TFSA Beneficiaries, DC Pensions, & Joint Account Pitfalls
13 Dec 2025
Contributed by Lukas
In this episode of Retirement Unpacked, Brett and fellow PWFG planner, Michael Barichello, answer more of your retirement questions. They cover what t...
013 | TFSA Trading Rules, LIRAs, & Tax-Efficient Decumulation
06 Dec 2025
Contributed by Lukas
In this episode of Retirement Unpacked, Adam and Brett answer viewer questions on RRIF withdrawals, TFSA rules, advisor restrictions, non-registered a...
012 | Big RRSP Problems, OAS Clawback, & Drawdown Tips
29 Nov 2025
Contributed by Lukas
In this episode of Retirement Unpacked, Adam Bornn and Brett Martinson tackle a variety of retirement-related questions, focusing on strategies for ma...
BONUS | A Conversation with Dave Chilton, The Wealthy Barber
22 Nov 2025
Contributed by Lukas
In this bonus episode, Adam sits down with David Chilton, author of The Wealthy Barber and one of Canada’s most trusted voices in personal finance. ...
011 | CPP Break-Even, Estate Taxes, & TFSA Income Planning
15 Nov 2025
Contributed by Lukas
In this week’s episode of Retirement Unpacked, Adam and Brett answer real retirement questions and unpack topics like evaluating financial products,...
010 | Inheritance Taxes, Life Insurance, & RRIF Withdrawals Explained
08 Nov 2025
Contributed by Lukas
In this episode of Retirement Unpacked, Adam and Brett answer real viewer questions on retirement planning. They cover when to defer OAS to reduce tax...
009 | RRSP Taxes, TFSA Estate Traps, & OAS Clawbacks
01 Nov 2025
Contributed by Lukas
Adam and Brett dive into some of the most misunderstood parts of Canadian retirement planning–RRSP taxes, TFSA rollover mistakes after death, and ho...
008 | Pension Splitting Rules, TFSA Moves, & Investing After 60
25 Oct 2025
Contributed by Lukas
We’re unpacking nore of the most common retirement questions Canadians face, including when pension income can be split, how RRSP withdrawals should...
007 | OAS, CPP Timing, RRIF Withdrawals, & Cash Wedge Planning
18 Oct 2025
Contributed by Lukas
Adam and Brett from Parallel Wealth tackle more real-life questions from Canadian retirees and soon-to-be retirees. They unpack how to time OAS and CP...
006 | CPP Timing, RRSP Strategies, & TFSA Penalties Answered
11 Oct 2025
Contributed by Lukas
This week we’re answering more of your biggest retirement questions. We cover CPP timing, how withdrawals affect your TFSA contribution room, and wh...
005 | Decumulation 101, LIRA Unlocking, & Reverse Mortgage
04 Oct 2025
Contributed by Lukas
In Episode 5 of Retirement Unpacked, Adam and Brett tackle a wide range of retirement questions from our community. We cover the RRSP meltdown strateg...
004 | TFSA Timing Tips, RRSP Drawdowns, & CPP Survivor Rules
27 Sep 2025
Contributed by Lukas
Ever wondered what really happens to your CPP if you pass away early, or if pulling money from your TFSA in December actually makes sense? In this epi...
003 | Too Much RRSP? RRIF Withdrawals, CPP Rumours, & Retirement Tax Strategies
20 Sep 2025
Contributed by Lukas
In Episode 3 of Retirement Unpacked, we dig into more of your retirement questions. We look at whether it’s possible to have “too much RRSP,” wh...
002 | Retirement Spending, RRSP Deductions, & TFSA Strategy
13 Sep 2025
Contributed by Lukas
Adam and Brett dive into some of the most common retirement planning questions from YouTube and client calls. We dig into planning for future care cos...
001 | CPP Myths, TFSA Mistakes, & Key Portfolio Moves Before the Next Crash
06 Sep 2025
Contributed by Lukas
In the first episode of Retirement Unpacked, Adam Bornn and Brett Martinson from Parallel Wealth answer real retirement questions from Canadians. We c...
Teaser - Retirement Unpacked by Parallel Wealth
05 Sep 2025
Contributed by Lukas
In this short trailer, Adam and Brett introduce Retirement Unpacked, a new podcast from Parallel Wealth. Together they share what’s ahead–tackling...