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

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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Three contribution strategies for your child’s RESP

in Blog
by Russell Sawatsky

If you are expecting a child to come into your home, you may already be thinking about how you can help support the cost of their post-secondary education. The cost of schooling seems to be consistently outpacing inflation. How can your child positively afford it?...

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Financial Planning Suggestions for Young Adults

in Blog
by Russell Sawatsky

As I write this in late spring, this is the season when graduating students are transitioning from the academy to employment. Many financial matters that may have previously been taken care of, or at least “backstopped,” by parents are now their own to address. If...

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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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The Pros and Cons of Investing in U.S. Securities

in Blog
by Russell Sawatsky

Living in Canada, it is almost impossible to ignore the United States. It is bigger than us in almost every way, except geography. Arguably, the U.S. has more influence over the world than any other nation and has maintained that influence for decades.   The size, influence,...

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Preparing for Inflation: A Review Post of Rational Reminder Podcast 150

in Blog
by Russell Sawatsky

My Initial Thoughts Way back in the 1980s, when I was younger … and the earth was still cooling … inflation was running hot. I had a small student loan at the time, about $5,000 as  I recall. The interest rate on that loan was 13%....

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Faith-Based Investing

in Blog
by Russell Sawatsky

“But Statman says for some people that’s like telling an Orthodox Jew he should save money by buying cheaper cuts of pork and donate the extra money to the synagogue.” – Dan Bortolotti referring to Meir Statman in “More on socially responsible index investing.”   This reference...

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CPP or RRIF: Which to Withdraw from First

in Blog
by Russell Sawatsky

In my previous blog post, I introduced a fictitious client, Debra, who is about to retire. As you may recall, Debra is single, without children, and is about to turn 65. She is eligible for the maximum Canada Pension Plan (CPP), which is $14,445 per...

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Retirement Income Withdrawal Strategies

in Blog
by Russell Sawatsky

Money In and Money Out When I worked for the discount brokerage division of a major Canadian bank, I learned that the investment side of banking was referred to as “Money In.” That is, money came into the bank through investments in Guaranteed Investment Certificates (GICs)...

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Retiring on a Low Income

in Blog
by Russell Sawatsky

After years of working at minimum wage retail jobs without benefits, Donald, age 59, is wondering what his strategy should be for retirement. He knows that he can begin taking the Canada Pension Plan (CPP) as early as next year, when he turns 60, but...

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Russ Writes

  • Bonds or GICs: Which is the better fixed-income investment choice?
  • Conspiracy Theories and Personal Finance
  • Dealing with Debt
  • Understanding Financial Credentials
  • Comparing the Tax Treatment of Different Account Types

Contact

Russell J. Sawatsky
Qualified Associate Financial PlannerTM
T: (519) 852-0318
E: russ@moneyarchitect.ca

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