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  • Home
  • About
    • About Russ
    • How We Work
  • Services
  • FAQ
  • Blog
  • Resources
    • General Resources
    • Calculators
    • Books
    • Podcasts
  • Contact

Using the Funded Ratio to Determine Retirement Readiness

in Blog
by Russell Sawatsky

Defined Benefit pension plans are required to use a funded ratio, also referred to as a solvency ratio, in determining whether the plan is sufficiently funded. This approach can also be used to assess the funding adequacy, or solvency, of your own retirement savings.   What is...

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What Happens When You Are a Surviving Spouse?

in Blog
by Russell Sawatsky

You are a 75-year-old woman. Your husband of 50 years has just died, the funeral has been held and he has been buried. In the middle of this grief and loneliness, you remember that you had named each other as executors in your respective wills....

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A New Tool in the Fight Against Longevity Risk

in Blog
by Russell Sawatsky

What is Longevity Risk? “Nothing is more difficult than retirement income planning.” I have heard or read variations of that phrase multiple times in the last few years. Why is it so difficult? After all, people are retiring every day in Canada. Hasn’t this been figured...

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I’m not old; you’re just young! Retiring when there is an age gap between spouses

in Blog
by Russell Sawatsky

An Introduction to Financial Planning – Part 3 A question was put to me via Twitter in response to my last post on retirement planning. In a nutshell, how do couples do retirement planning when there is an age gap between spouses? I will interpret an...

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Russ Writes

  • Understanding Defined Contribution Pension Plans: What You Need to Know
  • Should You Add Alternatives or Commodities to Your Portfolio?
  • Can Annuities Help the Average Retiree?
  • Should You Max Out Your RRSP? Two Stories, Two Different Outcomes
  • The “Canada First TFSA Top-Up” – A Policy Analysis

Contact

Russell J. Sawatsky
Certified Financial Planner®
T: (519) 852-0318
E: russ@moneyarchitect.ca

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