The Varieties of Decumulation Strategies

“Decumulation” (I don’t really like this word, but I suspect I lack sufficient influence to change things) is the spending down of assets that have been accumulated in preparation for retirement. It is the conversion of pension plans, RRSPs, TFSAs, and other financial assets into...

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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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