FPAC Pro Bono Planning I am a member of the Financial Planning Association of Canada™ (FPAC). Our mission is to build the practice of financial planning into a principled and client-centred profession. Among FPAC’s activities, such as advocacy before governments and regulators (I am a member...
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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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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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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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It is the nature of my profession that I read a lot about personal financial matters. One of the most difficult of such matters has to do with retirement. Financial economists will say that retirement planning is difficult because there are so many variables, or...
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