The Canadian Money Roadmap

How to Retire in Canada with $500,000 and no Pension

01 Apr 2026

Contributed by Lukas

Send us Fan MailOn this episode, Evan and Sam consider the practicality of retiring in Canada without pension through a case study of Tracy and Derek,...

How to accelerate your savings during tax season in Canada

25 Mar 2026

Contributed by Lukas

On this week's episode, Evan and Sam discuss key reasons to file your taxes, the relationship between taxes and financial planning, and discuss w...

How to Balance Family Spending and Retirement in Canada (3 Life Stages)

18 Mar 2026

Contributed by Lukas

On this episode of the Canadian Money Roadmap, Evan and Sam discuss how to balance family spending and retirement savings across three life stages —...

$1.7M retirement, 1.9% fees, and other questions answered

11 Mar 2026

Contributed by Lukas

On this episode of the Canadian Money Roadmap, Sam puts Evan in the hot seat and asks questions about market volatility, investment fees, retirement s...

Markets Were Down this Week - What to do Next?

06 Mar 2026

Contributed by Lukas

In this episode, Evan discusses the value of staying invested during periods of market volatility, specifically the market decline triggered by fighti...

Building a "better" Portfolio

04 Mar 2026

Contributed by Lukas

On this episode, Evan and Sam discuss why building a "better" investment portfolio requires looking beyond past performance to factors like ...

An AI Bubble?

25 Feb 2026

Contributed by Lukas

In this episode, Evan and Sam explore whether historical patterns and current market data suggest there is an AI Bubble.🌳 Connect with Evan and Ced...

Investing Basics Part 5 - Government Pensions and Benefits

18 Feb 2026

Contributed by Lukas

In this episode, Evan  explains how Canadian government retirement programs (CPP, OAS, and GIS) work, emphasizing their value in retirement planning....

Should you take an RRSP loan?

13 Feb 2026

Contributed by Lukas

In this episode, Evan examines the pros and cons of RRSP loans—borrowing money to contribute to your retirement savings. He notes  while RRSP loans...

Investing Basics Part 4 - Understanding Canadian Retirement Income Accounts

11 Feb 2026

Contributed by Lukas

In this episode, Evan explains how Canadian retirement income accounts—RRIFs, LIFs, and PRIFs—work, covering how to convert accumulation accounts ...

Investing Basics Part 3 - Understanding Canadian Investment Accounts

04 Feb 2026

Contributed by Lukas

On this episode, Evan describes the key accumulation accounts available to Canadian  and their potential uses for investors.🌳 Connect with Evan an...

Gold Rush: Why the Hype, and Should you Invest?

30 Jan 2026

Contributed by Lukas

In this episode, Evan and Sam discuss gold's historical performance as a hedge against market downturns, inflation, and economic crises, ultimate...

Investing Basics Part 2 - Mutual Funds and ETFs

28 Jan 2026

Contributed by Lukas

On this episode, Evan examines mutual funds and ETFs. He notes both mutual funds and ETFs can be useful investment containers for building diversified...

Investing Basics Part 1 - Stocks and Bonds

21 Jan 2026

Contributed by Lukas

On this episode of the Canadian Money Roadmap, Evan describes what stocks and bonds are, why they're essential building blocks of a retirement po...

$1M vs $1,000 per week: what would you pick?

14 Jan 2026

Contributed by Lukas

This episode analyzes whether a 20-year-old Quebec lottery winner made the right choice by taking $1,000 per week for life instead of a $1 million lum...

New Year, Same Money Mistakes? Avoid These in 2026

07 Jan 2026

Contributed by Lukas

In this episode, Evan highlights three common financial mistakes to avoid in the new year while sharing practical tips to help you get ahead and retir...

Personal, business & podcast year in review

24 Dec 2025

Contributed by Lukas

In this year-end episode, Evan pulls back the curtain on his personal finances, the launch of Cedar Point Wealth, and the growth of The Canadian Money...

Year end financial checklist (2025)

10 Dec 2025

Contributed by Lukas

Evan shares his annual checklist of key financial tasks to consider before the year ends. Topics include maximizing your First Home Savings Account (F...

Money CAN buy happiness!

03 Dec 2025

Contributed by Lukas

Learn one of the most reliable ways of increasing your happiness when it comes to your money.Free Kindle Books from Dr. Daniel Crosby - Until the end ...

Don’t Get Ripped Off: Understanding Canadian Investment Fees

26 Nov 2025

Contributed by Lukas

Most Canadians have no idea what they’re actually paying to invest — and many are overpaying by a lot.In this episode, Evan breaks down how invest...

Your Questions Answered | Evaluating ETFs & Withdrawal Order

19 Nov 2025

Contributed by Lukas

In this Q&A episode of the Canadian Money Roadmap Podcast, Evan answers two listener questions:How do TD ETFs compare to other providers like Vang...

I want you to be on The Canadian Money Roadmap!

11 Nov 2025

Contributed by Lukas

Record your money question here - No account or email required.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to ...

Invest like a smash burger

29 Oct 2025

Contributed by Lukas

In this episode, we explore how the art of making the perfect smash burger—mastered by burger expert George Motz—parallels the principles of smart...

Your investing strategy is late to the party

22 Oct 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap, we explore why chasing last year’s top-performing stocks or sectors can leave your investment strateg...

Expectations, Upsets, and Investing: Lessons from Baseball and the Market

15 Oct 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, Evan records from his mobile studio (aka his truck) and reflects on the parallels between the T...

Tips for smart spending

08 Oct 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, Evan Neufeld shares practical strategies for making smarter spending decisions during Amazon Pr...

Unpacking The $660,000 Tax Nightmare

01 Oct 2025

Contributed by Lukas

In this episode, Evan discusses a recent news story about a family facing a $660,000 tax bill after both parents passed away in the same year. He exp...

RESP Strategy to Maximize Grants

24 Sep 2025

Contributed by Lukas

In this episode, learn a practical strategy for families with multiple children to get the most out of their Registered Education Savings Plan, especi...

Don't take medical advice from your barber

17 Sep 2025

Contributed by Lukas

This episode covers the pitfalls of bad financial advice and how to avoid it.🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣...

The best thing you can do with your money in the next 3 months

03 Sep 2025

Contributed by Lukas

Are you wondering what the best thing you can do with your money is right now? In this episode, you’ll discover the simple step that can put you mil...

Who can afford all this stuff??

20 Aug 2025

Contributed by Lukas

Explore the real reasons behind overspending, debt, and financial comparison in this episode of the Canadian Money Roadmap Podcast. Discover how socia...

Five reasons your investment advisor isn't up to the job

30 Jul 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, Evan introduces a new segment called 'Hot Takes On Hot Days,' where he critiques an a...

Estate Planning Essentials with Aaron Hector

23 Jul 2025

Contributed by Lukas

In this episode, Evan is joined by Aaron Hector to walk through the basics of estate planning. They cover what a will does, the role of an executor, a...

It’s Not Too Early: Planning Now for a Stress-Free Holiday

17 Jul 2025

Contributed by Lukas

In this episode, Evan provides timely financial advice on planning ahead for the upcoming Christmas and holiday season, even in the middle of summer. ...

The bank is ruining their chances at retirement!

09 Jul 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap, Evan Neufeld discusses a real-life case study of a couple, Cal and Steph (**not their real names...), w...

I answer 37 of your TFSA questions

07 Jul 2025

Contributed by Lukas

Enjoy this bonus episode coming from my YouTube channel which you can also watch here: https://youtu.be/AY6Pa-o25uY?si=O4ilORbUtz6OpC1m🌳 Connect wi...

Cross-border money mistakes (and how to avoid them!)

18 Jun 2025

Contributed by Lukas

If you’ve ever lived, worked, or held citizenship in both Canada and the U.S., your financial situation could be more complex than you realize. In t...

How to build a $500,000 portfolio

11 Jun 2025

Contributed by Lukas

Evan marks 500,000 podcast downloads and shows how the same four habits that grew The Canadian Money Roadmap can grow a half‑million‑dollar inves...

Should You Invest or Pay Off Your Mortgage?

28 May 2025

Contributed by Lukas

If you have some extra cash every month, should you invest more or pay down your mortgage? The answer that is best for you is going to consider more t...

How are Canadian portfolios holding up in 2025?

01 May 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, we'll analyze the volatile start to the 2025 stock market and explore how different types ...

What's next for Evan and this podcast

28 Mar 2025

Contributed by Lukas

Build your Retirement Plan With EvanThis episode is an update on where I've been and where I'm going next.  I'll see you very soon wit...

TFSA to RRSP: Maximizing Tax Savings

26 Feb 2025

Contributed by Lukas

🌳 Connect with Evan and Cedar Point Wealth | Services and Pricing 🗣️ I want to hear from you! Record your question here and you could be featu...

Are you going to be ready to retire?

12 Feb 2025

Contributed by Lukas

Retirement is a time to enjoy the fruits of your labor, whether it's traveling, spending time with family, or fulfilling your bucket list. In thi...

How to not run out of money in retirement

29 Jan 2025

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, Evan Neufeld discusses seven strategies to manage investment risk in your portfolio as you prep...

Financial and Retirement Planning for Singles in Canada

22 Jan 2025

Contributed by Lukas

Become a client in 2025In this episode of the Canadian Money Roadmap Podcast, we explore financial and retirement planning tailored for single individ...

Save thousands with a spousal RRSP

15 Jan 2025

Contributed by Lukas

Watch this episode on YouTubeIn this episode, we explore the benefits and strategies behind using a spousal RRSP to optimize retirement savings, drawi...

Your retirement income just changed. Here's why

08 Jan 2025

Contributed by Lukas

In this episode, Evan Neufeld delves into how retirement income can fluctuate for Canadian retirees in 2025. Learn about the implications of convertin...

Income tax is changing in 2025. Here's what's new and what isn't...

23 Dec 2024

Contributed by Lukas

Book an intro call with Evan Neufeld, CFP®Watch this episode on YouTubeCredit for the idea for this video goes to Aaron Hector from CWB Wealth.  You...

How to save more money in 2025

11 Dec 2024

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, we explore practical strategies to save more money and improve your finances for 2025. Learn ab...

Financial Checklist To Set You Up For 2025

27 Nov 2024

Contributed by Lukas

Watch this episode on YouTubeAs the year draws to a close,  Evan shares nine powerful strategies to enhance your financial health, decrease your tax ...

How to use a TFSA for retirement

20 Nov 2024

Contributed by Lukas

Watch this episode on YouTubeIn this episode of the Canadian Money Roadmap Podcast, we delve into the many benefits of Tax-Free Savings Accounts (TFSA...

7 Tips for a Fulfilling and Purposeful Retirement

06 Nov 2024

Contributed by Lukas

Watch this episode on YouTubeIn this episode of the Canadian Money Roadmap Podcast, we explore seven actionable ideas to ensure a fun, fulfilling, and...

Retire on Autopilot

23 Oct 2024

Contributed by Lukas

Watch this episode on YouTubeIn this episode, Evan outlines three key decisions to set up your retirement on autopilot: asset allocation, choosing the...

How to calculate your retirement number

09 Oct 2024

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast,  Evan discusses the limitations of the '25x your expenses' rule for retirement savin...

Retirement Roadmap: Mapping Out Your Income Sources

25 Sep 2024

Contributed by Lukas

Watch this episode on YouTubeJoin us in Episode 4 of the Retirement Roadmap series on the Canadian Money Roadmap Podcast as we delve into the essentia...

Building Your Dream Retirement: Setting Targets and Goals

18 Sep 2024

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, join Evan as he discusses how to build your dream retirement on your terms. Learn about setting...

Don’t even THINK about retirement before doing these 5 things

11 Sep 2024

Contributed by Lukas

Invest With EvanWatch this episode on YouTubeIn today's episode of the Canadian Money Roadmap Podcast, we continue our Retirement Roadmap Series ...

The Most Overlooked Step in Retirement Planning

04 Sep 2024

Contributed by Lukas

In today's episode of the Canadian Money Roadmap Podcast, we embark on the first step in building your retirement roadmap. I'll share insigh...

Your kids can graduate university debt-free | Feat. Jason Yee, CEO of GrantMe

28 Aug 2024

Contributed by Lukas

Watch this episode on YouTubeIn this episode of the Canadian Money Roadmap podcast, host Evan Neufeld chats with Jason Yee, the dynamic co-founder and...

The Laws of Wealth with Dr. Daniel Crosby - Greatest Hits

15 Aug 2024

Contributed by Lukas

Join me as I revisit one of my most popular episodes ever on the Canadian Money Roadmap Podcast. In this special summer highlight, I delve into '...

My career path as an independent CFP® Professional

12 Jun 2024

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast, host Evan Neufeld shares his personal journey to becoming a certified financial planner at an i...

Retirement Reality Check: Know Your Income Needs

05 Jun 2024

Contributed by Lukas

In today's episode, we're tackling one of the biggest challenges pre-retirees face: accurately calculating their retirement income needs. Ma...

Ask Evan: Your Financial Questions on Taxes, Investing, and Retirement

29 May 2024

Contributed by Lukas

In this episode of the Canadian Money Roadmap Podcast,  Evan Neufeld addresses a wide range of listener questions. Topics covered include understandi...

Can you retire at 55 with $500,000 in Canada?

28 May 2024

Contributed by Lukas

Can You Retire at 55 in Canada with $500,000? Watch this episode on YouTubeIn this special Tuesday edition of the Canadian Money Roadmap Podcast, host...

Investment Fund Performance: Costs, Turnover, and Long-Term Success

22 May 2024

Contributed by Lukas

In this episode I explore why a significant number of investment funds fail to outperform their benchmarks (let alone survive for the long term). Thi...

I want to answer your questions! Here's the first one...

15 May 2024

Contributed by Lukas

In this episode, I introduce my new Fan Mail feature where you can text me your questions. Depending on the questions I receive, I might be able to fe...

Understanding Trusts for Effective Financial and Estate Planning

08 May 2024

Contributed by Lukas

Gain a clear understanding of trusts and how they can be leveraged for estate planning with tax expert Amanda Doucette, my insightful guest and fellow...

TFSAs 101: My guest appearance on The Tax Chick Podcast with Amanda Doucette

01 May 2024

Contributed by Lukas

On this week's episode, I was delighted to be a guest on Amanda Doucette's The Tax Chick Podcast to talk about all things Tax-Free Savings A...

Inefficiency is your friend...sometimes.

24 Apr 2024

Contributed by Lukas

Could the financial strategies that appear flawless on paper be leading us astray in the real world? We're peeling back the layers of investment ...

Understanding Segregated Funds with Mark McGrath

17 Apr 2024

Contributed by Lukas

This week I'm joined by Mark McGrath as we dig into segregated funds. These investment vehicles blend mutual funds with insurance and offer uniqu...

Time to sell? What you should expect after a good run for stocks

10 Apr 2024

Contributed by Lukas

The stock market has looked great recently! Is it time to take some money off the table?In this episode, I walk you through the considerations you nee...

3-7% Returns, TFSA Multi-Millionaires and What To Do Beyond $100,000

03 Apr 2024

Contributed by Lukas

This week, I'm tackling a few topics that were popular on Reddit over the last month.  1. What should you use for return assumptions in your pla...

What happens to your RRSP after retirement?

27 Mar 2024

Contributed by Lukas

In this week's episode we walk through the two phases of your RRSP: accumulation (RRSP) and spending (RRIF). 🌳 Connect with Evan and Cedar Po...

Income Splitting Strategies in Retirement

20 Mar 2024

Contributed by Lukas

If you could split your income with your spouse, there is a pretty good chance you could drastically reduce your tax bill.  In this episode, I show y...

Avoid These 6 TFSA Mistakes

13 Mar 2024

Contributed by Lukas

This episode comes from The Canadian Money Roadmap YouTube channel from a video I posted on March 8 2024. If you want more content like what you find ...

The Secret Ingredients of Stock Market Success

06 Mar 2024

Contributed by Lukas

**I usually keep my episode descriptions pretty minimal but this AI generated description was too flavourful to keep to myself.  Enjoy.**Ever find yo...

Are ETF's safe?

28 Feb 2024

Contributed by Lukas

In this episode I will discuss the ideas of "safe" investments and how risk can be viewed differently depending on your perspective.🌳 Con...

The FIRE Movement with Sam Lichtman

21 Feb 2024

Contributed by Lukas

In our conversation we discuss the concepts of the Financial Independence Retire Early (FIRE) movement.  If you're wanting to pursue FIRE for yo...

Maximizing Retirement Savings and Tax Benefits with Spousal RRSP Strategies

14 Feb 2024

Contributed by Lukas

Unlock the full potential of your retirement savings with our latest episode, where we unravel  the power of spousal RRSPs.  As the RRSP deadline lo...

Mastering Tax Season: A Guide to Navigating the CRA My Account

07 Feb 2024

Contributed by Lukas

 In this episode I walk you through the benefits of registering for your CRA My Account. It is an incredibly useful tool for understanding your tax s...

Building Stability With Variable Income | With Aravind Sithamparapillai

31 Jan 2024

Contributed by Lukas

Today, I'm joined by Aravind Sithamparapillai to discuss financial planning for people with variable incomes including sales professionals.Aravin...

Are stocks expensive? What should you do about it?

24 Jan 2024

Contributed by Lukas

Welcome to Part 2 of my exploration of investing at "all time highs". This week, I'm looking into high valuations and what it means for...

Should you invest when stocks are at all time highs?

17 Jan 2024

Contributed by Lukas

Have you ever felt uneasy about investing when the market is nearing all time highs? What if a crash happens or it declines right away?In this episode...

My Financial Areas of Focus For 2024

10 Jan 2024

Contributed by Lukas

I don't like goals... I like processes and systems and rituals that will eventually lead to accomplishing goals. I just call them, Areas of Focus...

Tax-Free Income for Families: Maximizing Your Canada Child Benefit

03 Jan 2024

Contributed by Lukas

In this episode, I explore the Canada Child Benefit (CCB), a tax-free financial support for families. l lead off discussing  who qualifies and how mu...

Becoming a TFSA Millionaire: Creating Generational Wealth with a Small Monthly Investment (Replay)

27 Dec 2023

Contributed by Lukas

Finishing off the year with a few of my top episodes of 2023!Thanks to all of you for being loyal listeners of the podcast. See you with some new epi...

Dividend Investing: Busting Myths and Understanding Risks with Mark McGrath (Replay)

27 Dec 2023

Contributed by Lukas

Finishing off the year with a few of my top episodes of 2023!Thanks to all of you for being loyal listeners of the podcast. See you with some new epi...

Get on the same page: Communication, Collaboration, and Future Planning with your partner

20 Dec 2023

Contributed by Lukas

Dealing with money topics with a partner can be stressful and particularly stressful for the person who is not the "money person" in the rel...

Inconvenient Truths about Investing

13 Dec 2023

Contributed by Lukas

You might not want to hear it... but here are 7 inconvenient truths about investing: Low fees won't solve all your financial problemsAny long te...

Financial Strategies for the End of 2023

06 Dec 2023

Contributed by Lukas

In this episode, I'll discuss the new TFSA contribution limit for 2024 and why it might be a good idea to withdraw funds now if you're plann...

Quit Making These Investing Mistakes

29 Nov 2023

Contributed by Lukas

Are you well-armed against the 20 most common investing pitfalls? In this week's episode, I dive into the critical importance of setting reasonab...

A gift for the person who has everything

22 Nov 2023

Contributed by Lukas

Have you ever struggled with finding the perfect gift for that person in your life who seems to have everything? This week, fellow financial planner J...

Understanding Your Money: Why Financial Literacy Is Actually Important

15 Nov 2023

Contributed by Lukas

November is Financial Literacy Month in Canada and this week's episode is dedicated to that! We talk about the importance and benefits of financi...

The Money Topics You Need To Know

08 Nov 2023

Contributed by Lukas

November is Financial Literacy Month in Canada so this episode is a whirlwind tour through the big topics you need to know to master your money:1. Cas...

Making a $187,000 TFSA Contribution

01 Nov 2023

Contributed by Lukas

In this episode, I walk through a real case study from clients of mine where I’m helping them prepare to make a $187,000 TFSA contribution.I use thi...

Maximizing Your Canada Pension Plan (CPP) Benefits with Jason Yee

25 Oct 2023

Contributed by Lukas

In this week's conversation with Jason Yee, we discuss all things related to the Canada Pension Plan (CPP).  Jason helps unravel the diverse typ...

Dealing with Job Loss, The Cost of Homeownership, "Bad" Investments, and Intro To The Enhanced CPP

18 Oct 2023

Contributed by Lukas

This week, I jumped onto Reddit to find a few topics that are top of mind for many Canadians. Here are the headlines for the posts I discuss on the ep...

Managing and Transitioning Generational Wealth: Keys to Success with Steve Willems CFP®

11 Oct 2023

Contributed by Lukas

Are you on the path of creating generational wealth, or perhaps in the throes of navigating a family business transition? If so, this episode holds ke...

Exploring Retirement: Perceptions, Priorities, and Planning with Michelle Munro

04 Oct 2023

Contributed by Lukas

How do perceptions, priorities, and goals shape retirement outlook for pre-retirees and retirees? And how does a written financial plan play into the ...

The Laws of Wealth with Dr. Daniel Crosby: Behavioural Finance and The Power of Rules-Based Investing

27 Sep 2023

Contributed by Lukas

Get ready for an enlightening journey into the world of behavioral finance with our special guest, Dr. Daniel Crosby. Not only is he a psychologist, b...