Can Annuities Help the Average Retiree?

An Unexpected Discovery David and Susan have done everything right.   Born in 1960 and now turning 65, they've worked steady careers, raised a family, and saved carefully. Their London, Ontario home is mortgage-free, their debts are paid off, and between their RRSPs, TFSAs, DC pension plans, and...

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Protecting Retirees Against Longevity Risk

Retirement marks a momentous transition, a time to reap the rewards of years of hard work and dedication. However, with increased life expectancy, retirees are faced with the challenge of longevity risk – the risk of outliving their financial resources. In this blog post, I...

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Sequence of Returns Risk

Coping with the Uncertainty of Investment Returns Imagine that you have been putting away $10,000 at the beginning of each year from 2002 until 2019. For the sake of this example, taxes and commissions are excluded; you have been investing that money into the Canadian stock...

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Segregated Funds: Mutual Funds with Insurance

An Introduction to Insurance and Risk Management – Part 6 Doesn’t this Post Belong Under Investment Planning? While segregated funds are investment products, the fact that they have certain insurance features and can only be bought through someone who is life-insurance-licensed, I have placed this topic under...

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