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  • About
    • About Russ
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    • General Resources
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Considering the Constellation of Concerns at Retirement

in Blog
by Russell Sawatsky

When I was a young boy living on the more rural outskirts of Chilliwack, BC, my brother and I would often go over to our cousin’s place just up the road and sleep outside overnight. This was in the summertime, of course. We would look...

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The Ins and Outs of Old Age Security (OAS)

in Blog
by Russell Sawatsky

The Canada Pension Plan (CPP) seems to get all the press these days. There are these debates about whether one should take it as early as age 60, wait until the “normal” retirement age of 65, or even delay the start until as late as...

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Retiring Abroad and Your Personal Finances

in Blog
by Russell Sawatsky

You have had it. You cannot stand even one more winter of shovelling snow or fearing the loss of your fingers and toes from frostbite. You are going to retire to Panama, or Malaysia, or Portugal, or… There are lots of lists on the internet...

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The Reverse Mortgage: Pros and Cons for Retirement Income

in Blog
by Russell Sawatsky

“Why not both?” This is the answer the wife gives to her husband when he asks whether they should install an indoor or an outdoor hot tub. Perhaps you recall that commercial from one of the major providers of reverse mortgages in Canada. While the...

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Provincial and Territorial Programs for Low-Income Seniors

in Blog
by Russell Sawatsky

Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) are the two major federal programs that provide financial assistance for Canadian seniors. OAS is available to almost any qualified resident or citizen of Canada although it can be reduced depending on years of residency...

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Planning for Retirement on a Low Income: A Special Presentation

in Blog
by Russell Sawatsky

I have written before about retiring on a low income, in this blog post. Much of that post relied on the writing of John Stapleton, an expert on benefit programs for low-income earners, and a retired Ontario civil servant.   Periodically, Stapleton makes live presentations via programs...

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Policies of the Federal Parties in Personal Finance Perspective. Part 4

in Blog
by Russell Sawatsky

This is the fourth of four blog posts on the election platforms of the national parties that had seats in the House of Commons at dissolution. I exclude the Bloc Quebecois because they do not appoint candidates outside of Quebec. In the previous posts, I...

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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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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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Saving for Retirement One Step at a Time

in Blog
by Russell Sawatsky

I occasionally hear, either in writing or in person, that saving for retirement is almost hopeless. The argument is that they are living paycheque to paycheque, and that there is simply no point in even trying. Consequently, and perhaps with a wry smile, they say...

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Russ Writes

  • DRIP-ping Your Way to Wealth(?)
  • Financial Planning Issues for Common-Law Partners
  • Considering the Constellation of Concerns at Retirement
  • Understanding the Time Value of Money
  • 9 Personal Finance “Jobs” to Tackle in the New Year

Contact

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

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