Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Many DIY investors do an excellent job building wealth during their working years. But retirement introduces a new set of challenges that go far beyond choosing investments and managing a portfolio.

In this episode of Retiring Canada, we discuss the five most common retirement planning mistakes we see DIY investors make as they approach retirement.

You will learn how overconfidence can create blind spots, why dividend focused portfolios may not be as efficient as many retirees believe, and how excessive cash holdings can quietly impact long term retirement outcomes. We also discuss retirement income planning, tax efficient withdrawal strategies, decumulation planning, any why many successful investors wait too long to seek professional advice.

We also compare fee-based and fee-only financial planning models, outlining the strengths, tradeoffs and ideal use cases for each approach so you can better understand which model aligns with your retirement goals.

This episode is for DIY investors, retirees and pre-retirees who want to better understand the retirement planning gaps that can emerge when managing retirement independently and how to avoid costly mistakes along the way.

WANT EVEN MORE RETIREMENT PLANNING TIPS?

Join thousands of other Canadians and subscribe to the Retiring Canada Newsletter.

https://www.retiringcanada.ca/retirement-newsletter

As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!

EPISODE RESOURCES:

📊 Work with Michael: https://fundamentalwealth.ca/get-started

💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter

👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide

✏️ Submit Your Question: https://www.retiringcanada.ca/submit-your-question

🌐 Retiring Canada Website: https://www.retiringcanada.ca

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Many Canadians spend decades building significant wealth for retirement, only to discover that financial success alone does not automatically create confidence, clarity, or peace of mind.

In this episode of Retiring Canada, we discuss why even financially successful retirees with substantial savings can still feel nervous, uncertain, or overwhelmed as retirement approaches.

You will learn the two major reasons retirees commonly struggle with retirement anxiety, how emotions often influence retirement decisions more than numbers alone, and why true retirement planning extends far beyond simply managing investments. We also discuss the major gaps that exist in much of the wealth management industry, the importance of coordinated tax, income, health care, and estate planning, and how thoughtful retirement planning can help create both financial confidence and personal freedom.

We also explore the emotional side of retirement, including purpose, identity, relationships, and the challenge many highly driven professionals and business owners face when stepping away from their career or life’s work.

This episode is for Canadian retirees, business owners, and pre-retirees who want greater confidence not only in their finances, but also in the next chapter of their life.

WANT EVEN MORE RETIREMENT PLANNING TIPS?

Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠ ⁠https://www.retiringcanada.ca/retirement-newsletter⁠

As a thank you, you'll receive a copy of our latest Retirement Guide AND MORE!

EPISODE RESOURCES:

📊 Work with Michael: ⁠https://fundamentalwealth.ca/get-started⁠

💻 Subscribe to the Newsletter: ⁠https://www.retiringcanada.ca/retirement-newsletter⁠

👉 Download Our Latest Retirement Guide: ⁠https://www.retiringcanada.ca/retirement-guide⁠

✏️ Submit Your Question: ⁠https://www.retiringcanada.ca/submit-your-question⁠

🌐 Retiring Canada Website: ⁠https://www.retiringcanada.ca⁠

Learn more about the Fundamental Retirement Plan: https://www.fundamentalwealth.ca/get-started

Trusts can be powerful planning tools, but they are alsocomplex, expensive, and often misunderstood.

In this episode of Retiring Canada, we break downhow trusts work, when they may make sense, and when they probably do not.

You will learn the difference between trusts establishedduring your lifetime and trusts created through your will, along with commonuses for business owners, high net worth families, blended families, andfamilies with minor children. We also discuss family trusts, testamentarytrusts, Henson trusts, and key tax considerations that can create unintendedconsequences if not structured properly.

We also explain why most people may not actually need atrust and why a proper cost benefit analysis is essential before moving forwardwith these strategies.

This episode is for Canadians who want a clearerunderstanding of trusts and how they may fit into an estate or retirement plan.

WANT EVEN MORE RETIREMENT PLANNING TIPS?
Join thousands of other Canadians and subscribe to the ⁠Retiring Canada Newsletter.⁠
https://www.retiringcanada.ca/retirement-newsletter

As a thank you, you'll receive a copy of our latestRetirement Guide AND MORE!

EPISODE RESOURCES:
📊 Work with Michael: https://fundamentalwealth.ca/get-started

💻 Subscribe to the Newsletter: https://www.retiringcanada.ca/retirement-newsletter

👉 Download Our Latest Retirement Guide: https://www.retiringcanada.ca/retirement-guide

✏️ Submit YourQuestion: https://www.retiringcanada.ca/submit-your-question

🌐 Retiring Canada Website: https://www.retiringcanada.ca