Retiring Canada
Episodes
EP 77 - The Canadian Retirement Tax Trap
14 Apr 2026
Contributed by Lukas
The biggest retirement tax mistake Canadians make isn't what you think... and it could cost you far more than you realize. Specifically, we are go...
EP 76 - Most Canadians Miss These 2 Estate Documents
31 Mar 2026
Contributed by Lukas
Most Canadians have a will and powers of attorney in place, but it's often the two estate documents they don't have that make the biggest diff...
EP 75 - Spend It All – 5 Planning Rules for Retiring with a Minimal Estate
17 Mar 2026
Contributed by Lukas
What if your retirement goal isn't leaving an inheritance... but confidently spending your savings during your lifetime?Specifically, we are going...
EP 74 - Three Tips to Streamline Your Tax Filing
03 Mar 2026
Contributed by Lukas
Before you rush to file your taxes, here are three simple strategies that could save you from reassessments, interest charges, and unnecessary stress....
EP 73 - 6 Signs You Need a Second Opinion
17 Feb 2026
Contributed by Lukas
Sometimes the biggest risk to your retirement is not marketvolatility, it is staying too long in the wrong advisory relationship.Specifically, we are ...
EP 72 - The 7-Step Blueprint for Tax-Wise Retirement Income
03 Feb 2026
Contributed by Lukas
Retirement income isn't only about how much you've saved, it's about how, when and from where you draw it once the pay-cheques stop. Specifically, we ...
EP 71 - How Dividends Impact Your Retirement
20 Jan 2026
Contributed by Lukas
Dividends may feel like "safe" retirement income, but without the right plan, they can quietly increase your taxes and reduce your governmen...
EP 70 - Retiring in 2026
06 Jan 2026
Contributed by Lukas
Thinking about retiring in 2026? The decisions you make right now could determine whether you retire with confidence... or uncertainty?Specifically, w...
Christmas Episode – Five Important Steps to Planning a Secure Retirement (FRP) – Re-Release
23 Dec 2025
Contributed by Lukas
This Holiday Season, Give Yourself the Gift of Peace of Mind in Retirement. Our Fundamental Retirement Plan (FRP) is a simple, five-step framework des...
EP 68 - Prepare Your Retirement Portfolio for the Next Crash
09 Dec 2025
Contributed by Lukas
Market crashes are inevitable but with the right strategy, your retirement can weather any storm. Discover the 5 key ways to prepare your portfolio in...
EP 67 - Top 5 Tax Strategies for Wealthy Canadians
25 Nov 2025
Contributed by Lukas
Your biggest opportunity as a Canadian Investor isn't earning more, it's keeping more through smart, tax-efficient planning. Specifically, we are goin...
EP 66 - Divesting Your Real Estate Portfolio in Retirement
11 Nov 2025
Contributed by Lukas
When it comes to real estate in retirement, the toughestquestion isn’t “Can I sell?”…it’s “Should I?”Specifically, we are going to discu...
EP 65 - Retirement Portfolio Construction
28 Oct 2025
Contributed by Lukas
Building a retirement portfolio isn't just about what you invest in it's about where you hold it. Today's episode breaks down how smart asset location...
EP 64 - Our New Client First Year
14 Oct 2025
Contributed by Lukas
From that first coffee and handshake to personalized follow-ups and ongoing strategy, here’s what your first year as a client really looks like.Spec...
EP 63 - FRP Step # 5 - Estate Planning
30 Sep 2025
Contributed by Lukas
Estate planning is more than just having a will, it’s about protecting your family, reducing taxes, and making life easier for your loved ones. In t...
EP 62 - FRP Step # 4 - Health Care Planning
16 Sep 2025
Contributed by Lukas
Health care is often the hidden cost of retirement. In this episode, we show how the right planning can protect your lifestyle, unlock tax credits, an...
EP 61 - FRP Step # 3 - Tax Planning
02 Sep 2025
Contributed by Lukas
Smart retirement planning isn’t just about investing, it’s about keeping more of what you’ve worked so hard to earn. Step three of the Fundament...
EP 60 - FRP Step # 2 - Income Planning
19 Aug 2025
Contributed by Lukas
Retirement isn’t the end of your income, it’s the start of your most important paycheque strategy.Specifically, we are going to discuss:- ...
EP 59 - FRP Step # 1 - Investment Allocation
05 Aug 2025
Contributed by Lukas
Most people enter retirement with a collection of investment accounts but no real plan. In this episode, we break down why your investment allocation ...
EP 58 - Maximize Retirement by Minimizing Cash Drag
22 Jul 2025
Contributed by Lukas
Could your retirement portfolio be silently underperforming because of cash you didn’t even realize you had? Cash drag may be one of the easiest ret...
EP 57 - Gifting Money to Family in Retirement
08 Jul 2025
Contributed by Lukas
Thinking about giving your kids money while you're stillalive to see them enjoy it? In this episode, we explore how to gift without jeopardizing your ...
EP 56 - PROs & CONs to DIY Investing in Retirement
24 Jun 2025
Contributed by Lukas
DIY investing might save youmoney—but could it cost you peace of mind in retirement?Before you decide to go it alone, hear the pros, cons, and what ...
EP 55 - High Investment Fees Destroy your Retirement
10 Jun 2025
Contributed by Lukas
Are hidden investment fees quietly eating away at your retirement? In this episode, we uncover what you’re really paying—and how to take back cont...
EP 54 - The $3 Million TFSA Retirement Strategy
27 May 2025
Contributed by Lukas
Did you know a few simple tweaks to your TFSA today, could transform your retirement in 30 years? Specifically, we are going to discuss: The first s...
EP 53 - Scam’s to Watch out for in Retirement
13 May 2025
Contributed by Lukas
I’ve been targeted by scammers – and you probably have too. Here’s what you need to know to protect yourself. Specifically, we are going to dis...
EP 52 - Are your Retirement Assets Exposed to US Estate Tax?
29 Apr 2025
Contributed by Lukas
Think US estate tax doesn’t apply to you as a Canadian? Think again — you could be in for a costly surprise. Specifically, we are going to discus...
EP 51 - Does Your Will Align With Your Intent?
15 Apr 2025
Contributed by Lukas
Is your will really saying what you think it is? In this episode, we uncover common estate planning mistakes and how to make sure your wishes are carr...
EP 50 - Retiring in Uncertain Times
01 Apr 2025
Contributed by Lukas
Uncertainty is inevitable, especially during the fragile decade surrounding retirement. In this episode, I share practical strategies and critical que...
EP 49 - Reduce Retirement Income Risk with Prudent Financial Planning.
18 Mar 2025
Contributed by Lukas
Retirement income planning is a crucial piece to your overall retirement plan that must be protected! Through prudent planning that factors in inves...
EP 48 - When One Spouse Handles the Finances
04 Mar 2025
Contributed by Lukas
Who handles the finances in your household? In this episode, we explore what happens when one spouse takes the lead, how financial responsibilities ar...
EP 47 - Over Saving in Retirement Accounts
18 Feb 2025
Contributed by Lukas
Entering retirement having more than enough to sustain your lifestyle can come with its on set of unique considerations and hurdles that should be wel...
EP 46 - Entering Retirement with a Stock Portfolio
04 Feb 2025
Contributed by Lukas
Stock portfolios may look good on paper, but are you accepting too much risk by having this level of overconcentration? In today’s episode, we b...
EP 45 - Managing Taxes from Multiple Streams of Income
21 Jan 2025
Contributed by Lukas
Retirees and those nearing retirement, it's crucial to understand how taxes on your income change once you stop working. In the latest episode we brea...
EP 44 - Tax Wise Decumulation in Retirement
07 Jan 2025
Contributed by Lukas
Explore the intricacies of personal finances as we discuss the nuances of decumulation, the importance of a well-thought-out retirement income plan, a...
Christmas Episode – The Fundamental Retirement Plan (Re-Run)
24 Dec 2024
Contributed by Lukas
This Holiday Season, Give Yourself the Gift of Peace of Mind in Retirement! The "Fundamental Retirement Plan," or FRP, is our five-step process to cra...
EP 43 - Reasons to Delay Government Pensions
10 Dec 2024
Contributed by Lukas
Did you know delaying CPP and OAS could save you thousands in taxes and boost your retirement income? In this episode, we dive into real-life scenari...
EP 42 - Downsizing in Retirement
26 Nov 2024
Contributed by Lukas
Is downsizing in retirement the key to unlocking financial freedom and a simpler lifestyle? Specifically, we are going to discuss: The reason’s...
EP 41 - The Value of Personalized Retirement Advice
12 Nov 2024
Contributed by Lukas
Retirement advice is in the eye of the beholder – today we dive into the details and explore two case studies that aim to dissect the value of pe...
EP 40 - 5 Mistakes to Avoid in Your First Year of Retirement
29 Oct 2024
Contributed by Lukas
The importance of the decisions you make in your first year of retirement cannot be understated. Today we're going to discuss 5 mistakes to avoid in y...
EP 39 - Retirements Biggest Threat
15 Oct 2024
Contributed by Lukas
Inflation may be retirement’s biggest threat, but with the right strategies, you can protect your income and thrive in these challenging times S...
EP 38 - Year End Tax Planning for Retirees
01 Oct 2024
Contributed by Lukas
As the year comes to a close, it's time to start thinking about tax planning—especially for those of you who are within five years of retirement or ...
EP 37 - Financial Freedom - Finding your Balance
17 Sep 2024
Contributed by Lukas
Dive into the concept of Financial Freedom and how to find a balance as you approach retirement. We’ll explore what this means to you, how to strike...
EP 36 - Calculating Your Retirement Income
03 Sep 2024
Contributed by Lukas
Knowing your number will help you refine your retirement date, your investment and tax plan, government pension start dates and help to unearth potent...
EP 35 - Elections & Your Money
20 Aug 2024
Contributed by Lukas
In this episode, I will explain how historically elections have investors like you questioning how the financial markets will respond and their impact...
EP 34 - Big Tax Vs Little Tax
06 Aug 2024
Contributed by Lukas
Big tax versus little tax and how they should be considered in your estate planning. Listen now to discover how to reduce the final amount of tax you ...
EP 33 - Tax Efficient Investment Placement
23 Jul 2024
Contributed by Lukas
Asset location has a substantial impact on the after-tax performance of your retirement nest egg. Listen now to discover how to implement proper as...
EP 32 - Typical Investor Vs Transformed Investor
09 Jul 2024
Contributed by Lukas
Just because everyone is doing it, doesn’t make it right. Discover how to transform your investment approach to ensure a sustainable retirement. ...
EP 31 - How to Destroy Your Retirement
25 Jun 2024
Contributed by Lukas
Your retirement plan may be at risk... but with a few thoughtfully developed strategies the Canadian Retiree can safeguard their retirement from the...
EP 30 - Retirement Planning Fundamentals
13 Jun 2024
Contributed by Lukas
Five step retirement planning process to secure a worry-free retirement that adapts to life’s inevitable changes. Specifically, we are going to di...
EP 29 – 15 Retirement Mistakes You Will Regret
28 May 2024
Contributed by Lukas
They say experience is the best teacher... but what if you have never experienced retirement before? Planning, consistency, advice, visualization an...
EP 28 - 10 Questions to Ask When Hiring an Advisor
14 May 2024
Contributed by Lukas
Trust is the foundation of a lasting relationship, especially when that person manages your livelihood. Make sure you have done your due diligence wh...
EP 27 - Advanced Tax planning for Couples with over $500,000
30 Apr 2024
Contributed by Lukas
The spousal loan strategy may help to reduce your household tax bill… but it isn’t right for everyone. Find out if this strategy makes sense for...
EP 26 - Tax-Wise Retirement: Unveiling Non-Registered Accounts
16 Apr 2024
Contributed by Lukas
These often-overlooked planning opportunities within the non-registered account can have a significant impact on your retirement and the amount of tax...
EP 25 - I’m paying my advisor HOW much?!
02 Apr 2024
Contributed by Lukas
Advisory fees... what is a reasonable amount and what should I be receiving in return? In today's episode, lets chat advisory fees. Specific...
EP 24 - Understanding Alternative Investments
19 Mar 2024
Contributed by Lukas
How do alternative investments fit into a retirement portfolio? What are some things I should consider before adding this kind of investment to my por...
EP 23 - Beneficiary Designations – Avoid This!
05 Mar 2024
Contributed by Lukas
The financial and emotional damage caused by incorrect beneficiary designations can have a lasting impact well after you’re gone. Today we will be...
EP 22 - Make your Retirement Plan (Almost) Indestructible
20 Feb 2024
Contributed by Lukas
The step-by-step process to create a retirement income plan that can withstand all that life throws at you. Specifically, we are going to discuss: ...
EP 21 - Get Organized BEFORE You Retire.
06 Feb 2024
Contributed by Lukas
Simplify and organize. The one-two punch to creating a sustainable retirement income for life. In today's episode we are going to discuss: ...
EP 20 - Being the Executor of a Will
23 Jan 2024
Contributed by Lukas
Named as executor of a Will and not sure where to start? In today’s episode, we will answer some questions you may have about administering a will...
EP 19 - Inheritance Planning - 7 Crucial Steps
09 Jan 2024
Contributed by Lukas
Step-by-step process to managing emotions and making smart financial decisions with your inheritance. Specifically, we are going to discuss: The...
EP 18 - Navigating Retirement - Integrating Emotional Well-Being with Smart Financial Decisions
28 Dec 2023
Contributed by Lukas
Purpose > Spreadsheets. 25 Tips to guide you to a meaningful retirement plan. In today’s episode we're going to discuss ways you can take...
EP 17 - Help Your Kids Buy Their First Home
12 Dec 2023
Contributed by Lukas
Want to help your kids or grandkids purchase their first home? In today’s episode we're going to discuss how you can help your kids buy their ...
EP 16 - Pension Style Investing – The Route To Better Overall Investor Satisfaction
28 Nov 2023
Contributed by Lukas
Not happy with your generic investment portfolio? It may be time to see what the “smart money” is doing. In today’s episode we're going to di...
EP 15 - Keep CRA Out Of Your Pocket – How to Mitigate OAS Clawbacks
14 Nov 2023
Contributed by Lukas
Nearing age 65 and ready to start your OAS pension? You may want to think again! In today’s episode we're going to discuss how you can combat cla...
EP 14 - Don’t Let Your Retirement Hit The Ditch - Retirement Income Guardrail
31 Oct 2023
Contributed by Lukas
If you are within the next 10 years of retirement OR recently retired, you’ll want to pay close attention in today’s episode, this is for you. In...
EP 13 - Joint Ownership – Is it worth the headache?
17 Oct 2023
Contributed by Lukas
Thinking about adding someone as a joint owner to property, understand these potential unintended tax and legal consequences that could outweigh the b...
EP 12 - Get Started - Evaluate Working With Us
03 Oct 2023
Contributed by Lukas
In today’s episode we're going to discuss our 4-step process to help potential clients evaluate working with us. We call it our Complimentary one-...
EP 11 - Financial Profanity - B*dget
19 Sep 2023
Contributed by Lukas
In today’s episode we're going to discuss the most hated word in personal finance, budgeting. Specifically, we are going to discuss: My own bud...
EP 10 - Losing a Loved One - Next Steps
05 Sep 2023
Contributed by Lukas
In today’s episode we discuss the 6 crucial steps a widow or widower needs to consider after losing their spouse. Specifically: The importance of...
EP 9 - Top 5 Retirement Income Strategies
22 Aug 2023
Contributed by Lukas
In today’s episode we're going to discuss our top 5 retirement income planning strategies. Specifically, we are going to discuss: How to determin...
EP 8 - Opening An Education Saving Plan For Your Grandchildren
08 Aug 2023
Contributed by Lukas
In today’s episode we're going to discuss opening a registered education savings plan for your grand kids. Specifically, we are going to discuss:...
EP 7 - 5 Years & Counting - Checklist For Pre-Retirees
25 Jul 2023
Contributed by Lukas
Hello everyone and welcome to the retiring Canada Podcast. In today’s episode we're going to discuss a checklist for pre-retirees who are within the...
EP 6 - Not Enough Money To Retire - Understanding Your Options
11 Jul 2023
Contributed by Lukas
In today’s episode we're going to discuss what to do if you don’t have enough money to retire. Specifically, we are going to discuss: How to ma...
EP 5 - Retiring From A Crown Corporation in Saskatchewan
27 Jun 2023
Contributed by Lukas
In today’s episode we're going to discuss the 7 key considerations when retiring from a crown corporation in Saskatchewan. Specifically, we are g...
EP 4 - “One Page” Financial Plan - The Truth
13 Jun 2023
Contributed by Lukas
Today, I am talking about how a one-page financial plan can change your life, bold statement I know. Specifically, we are going to discuss: The d...
EP 3 - Tell Me - Who Gets The Family Cabin?
30 May 2023
Contributed by Lukas
Today, I am talking about transitioning the family vacation property to the next generation. Specifically, we are going to discuss: The importance ...
EP 2 - Stepchildren - How To Prevent Disinheritance
16 May 2023
Contributed by Lukas
Today, I am talking about the unique estate planning considerations for couples with a blended family. Specifically, we are going to discuss: How i...
EP 1 - Don’t Make THIS Mistake With Your TFSA
02 May 2023
Contributed by Lukas
Today, I am talking about a common mistake done by Canadians when they set up their tax-free savings account (TFSA). Specifically, we are going to di...
Trailer
20 Dec 2021
Contributed by Lukas
Learn more by visiting our website: www.retiringcanada.ca