For most Canadians, an RRSP is where retirement savings are built over decades. A RRIF is where those savings begin supporting the life you’ve worked so hard to create. That transition is one of the biggest milestones in retirement planning, yet it’s often misunderstood. Many people assume converting an RRSP into a RRIF means cashing in investments or making dramatic changes to their portfolio. In reality, the conversion is usually much simpler than that. The investments you

Living longer is becoming the new normal in Canada. Life expectancy for men has risen from 71 years in 1960 to 82 years in 2018. If you and your spouse are 65 today, the chances that at least one of you will reach 90 are higher than you might expect. This shift means planning for retirement and long-term finances requires a fresh approach. You need to prepare for a longer life, and that includes making smart financial decisions now to ensure comfort and security decades down

Q: I’m diligently preparing for my retirement and doing some extensive financial planning. I’m only 57 years-old and I’m in fabulous...

It seems like an obvious idea: By starting to save in your 20s rather than your 40s, you’ll have more money by the time you retire. But...

If you’ve built a successful business, you know that having a plan is critical to making it work. By the same token, readying your...