Your Wealthy Retirement: Reduce Risk & Grow Your Wealth With A Pension Styled Approach When New To Retirement

John De Goey (a podcast covering financial literacy, financial advisors & wealth)
  • 5.0 (1)
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Have you thought about how our retirement planning can be derailed by having a portfolio built using principles that might no longer work? In the current financial climate, you need actionable ideas to help reduce risk and grow your retirement wealth. Your wealthy retirement will help you navigate investing and financial planning by exposing how traditional advice often fails to incorporate these changes. You'll Discover: 1. How to protect your retirement wealth against today’s changing investment landscape and economic risks. 2. How you can adapt your retirement strategy to major trends like rising longevity, trade uncertainty, and climate change. 3. Ways to build greater confidence in your retirement finances with wealth-preservation strategies designed for today’s challenges. Tune in every Thursday where you'll hear thought leader, author and portfolio manager John De Goey show you how to reduce risk and protect your wealth with a pension styled approach. If you're thinking about becoming a subscriber (highly recommended), listen to recent fan favorite episode #147 with Tom Czitron to get started - hit play & listen now!

  1. 6d ago

    #314 | How Canada's Economy Is Reshaping Portfolio Resilience in the Age of Geoeconomics

    Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod Is your investment portfolio prepared for a world where economic relationships are changing and geopolitical risks are reshaping global markets? The global economy is undergoing a fundamental shift, and Canada is positioning itself to become a more resilient, diversified, and attractive destination for investment. In this episode, we explore how Prime Minister Mark Carney's economic strategy aligns with the principles of portfolio resilience and why investors may need to rethink traditional approaches to investing. From Canada's ambitious infrastructure projects and investment tax incentives to global diversification and the growing importance of private assets, discover how economic transformation could influence portfolio construction, particularly for those approaching or already in retirement. In this episode, you'll discover: Why portfolio resilience matters in a changing global economy: Understand how geoeconomics, trade tensions, and geopolitical risks are challenging traditional investment strategies and why diversification across asset classes and regions is increasingly relevant.How Canada's economic strategy could create investment opportunities: Explore Canada's major infrastructure initiatives, investment tax incentives, and efforts to attract global capital across energy, resources, AI, defense, and transportation.How to adapt your portfolio for long-term stability: Learn about the potential role of private assets, infrastructure, commodities, and pension-style investing in building diversified portfolios designed to navigate economic uncertainty and inflation. Tune in to discover how Canada's evolving economic strategy connects to portfolio resilience and what these changes could mean for your long-term investment approach. John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  2. Sep 24

    #313 | Why “Save It Until You Need It” May Be the Wrong Retirement Strategy: Drawdown Strategies Explained

    Make Better Wealth Decisions is now Your Wealthy Retirement! What if the way you withdraw your retirement savings could be just as important as how much you saved? For many Canadians, retirement planning focuses heavily on accumulating wealth—but the real challenge begins when you need to turn that wealth into income. The order and timing of your withdrawals from RRSPs, RRIFs, TFSAs, and non-registered accounts can affect your taxes, government benefits, estate, and how long your savings last. In this episode, we explore retirement drawdown strategies and the trade-offs you need to consider when moving from saving to spending. We look at RRSP and RRIF withdrawals, early RRIF drawdowns, TFSA strategies, taxable investment accounts, CPP and OAS, tax brackets, estate planning, and the importance of building a withdrawal strategy around your own circumstances and priorities. You’ll learn: How to think about your retirement drawdown strategies so you can balance current income needs, taxes, government benefits, and the risk of outliving your savings.Why the timing of RRSP/RRIF withdrawals matters and how drawing down registered accounts earlier can sometimes help manage future tax liabilities.How to coordinate your TFSA, RRIF, and non-registered accounts to create a more tax-efficient and flexible retirement income strategy. Listen to the episode to understand the key trade-offs behind retirement drawdown strategies and start thinking more deliberately about how your hard-earned savings can support you throughout retirement. Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  3. Sep 22

    #312 | Why Private Real Estate Debt Is Changing How You Earn Interest Income With Alternative Investments - Financial Literacy, Financial Advisors & Wealth

    Are bonds and GICs really the best way to generate reliable interest income anymore? If you’ve been relying on traditional fixed income, you may be missing a lesser-known corner of alternative investments that institutions have used for decades. Private real estate debt offers a different approach to earning interest income—one backed by physical assets, shorter lending terms, and structural protections that many investors never consider. In this episode, John sits down with Spencer Hurley of Trez Capital to unpack how private real estate debt actually works, why it’s often misunderstood, and where it fits (and doesn’t fit) in a modern portfolio. In this episode, you’ll learn: How private real estate debt generates interest income and why it behaves differently than bonds or GICsThe two biggest risks investors need to understand—and how proper due diligence can reduce themWhere private real estate debt fits within alternative investments across different market cycles If you want to make better wealth decisions and understand whether private real estate debt belongs in your interest income strategy, this episode will give you the clarity you need — listen now. More About Spencer Hurley: https://www.trezcapital.com/our-team/spencer-hurley John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  4. Sep 17

    #311 | What the World’s Best Investing Research Reveals About Building a Portfolio, Reducing Investment Risk, and Diversifying Investments - Financial Literacy, Financial Advisors & Wealth

    Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod Are you building a portfolio based on stories, headlines, and hot picks—or on what actually works? Most investors believe smart investing means finding the right stock, the right fund, or the right manager. But decades of real-world evidence suggest something very different. In this episode, John sits down with veteran financial professional Patrick Frigon to unpack what Nobel Prize–winning research reveals about building a portfolio, reducing investment risk, and diversifying investments in a way that actually improves long-term outcomes. You’ll hear why stock picking is so difficult, how markets absorb information almost instantly, and why trying to outsmart everyone else often leads investors to beat themselves instead. By listening, you’ll learn how to: Build a portfolio using evidence-backed principles instead of predictions and opinionsReduce investment risk without sacrificing long-term returnsDiversify investments in a way that smooths volatility and minimizes costly mistakes If you want to stop guessing and start making smarter, calmer, and more reliable wealth decisions, this episode will change how you think about investing—press play and listen now. Start planning with STANDUP Advisors: https://johndegoey.ca/ John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  5. Sep 15

    #310 | Should You Rethink Retirement Planning If You’re Child-Free? How To Protect Your Wealth in a Shifting Economy - Financial Literacy, Financial Advisor & Wealth

    Are your financial decisions built on assumptions that no longer hold true? Most investors still rely on growth models tied to population expansion — but what happens when 25% of Americans are child-free and birth rates keep falling? In this episode, we dive into the controversial but urgent conversation around Child-Free Wealth, Demographics, and Investing with Jay Zigmont, PhD, CFP®, founder of Childfree Wealth. He explains why the “standard life script” no longer applies, how demographic decline threatens our economy, and what that means for your money. You’ll discover: Why demographic realities may upend traditional investing assumptions like constant market growth.How being child-free changes financial planning — from estate design to long-term care.What investors and advisors must do now to prepare for a future where sustainability, not endless growth, is the benchmark. 👉 Listen now to learn how to design wealth decisions that fit the real world — not outdated assumptions. Know more about Childfree Wealth: https://childfreewealth.com/ About John De Goey: https://www.johndegoey.ca/

  6. Sep 10

    #309 | What the Research Reveals About Financial Planning For Women And Why Women Retirement Planning Looks So Different

    Are women really facing the same retirement reality as men—or are planners missing something critical? Women live longer, earn less on average, and experience more career interruptions—yet retirement advice often assumes a one-size-fits-all approach. In this episode, we explore why financial planning for women requires a fundamentally different lens and how structural, behavioral, and educational factors shape women retirement planning outcomes in ways many advisors underestimate. In this conversation, you’ll discover: Why compounding life events—not behavior alone—put women at a retirement disadvantageHow financial literacy and confidence directly influence women’s long-term wealth outcomesWhat planners can do differently to create more effective, empathetic retirement strategies for women If you want a clearer understanding of the real challenges shaping women’s financial futures—and how better planning decisions can close the gap—this is an episode you don’t want to miss. More about Tanya Staples: https://research.conestogac.on.ca/our-team/tanya-m-staples-cfp Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  7. Sep 8

    #308 | Why I’m Changing the Brand—and Making Retirement Planning the Focus

    What happens when you stop trying to say everything in a few minutes and instead go deeper on what matters most? This episode marks a major change in the podcast. Instead of continuing with short Tuesday commentary, John is ending the Tuesday episodes and putting more time and attention into longer, more actionable conversations and standalone episodes. The podcast will also be rebranded with a stronger focus on retirement planning, wealth, pensions, and the decisions that can help you prepare for retirement. Going forward, Thursday episodes will feature a mix of John's standalone discussions and conversations with guests, while Saturday videos will continue providing visual explanations of important financial topics. By listening, you'll learn: Why the podcast is shifting its focus toward retirement planning and what that means for future episodes.How deeper, standalone episodes can provide more actionable financial guidance than brief weekly commentary.What to expect from the new podcast format, including the balance between solo episodes, guest conversations, and Saturday videos. Listen to the episode to understand why the podcast is changing—and how the new focus on retirement planning can give you more practical, in-depth guidance. Worried about the current investment climate and your money? Click the link below and book a call for personalized advice to help you feel secure and protected about your retirement: https://yourwealthyretirement.s.gy/pod John De Goey's Books. Grab your copy from Amazon: Bullshift: How Optimism Bias Threatens Your FinancesSTANDUP to the Financial Services IndustryThe Professional Financial Advisor IV

  8. Sep 3

    #307 | How Shannon Lee Simmons Is Changing Financial Literacy Through Financial Planning for Canadians

    How confident are you when it comes to making decisions about your money? For many Canadians, the problem isn't a lack of information—it's having too much information, not knowing which sources to trust, and feeling embarrassed to ask basic financial questions. Financial literacy is about more than knowing the difference between a TFSA and an RRSP; it's about developing the confidence and habits to make sound financial decisions, even when the future feels uncertain. In this episode of Make Better Wealth Decisions, John speaks with Shannon Lee Simmons, financial planner and founder of New School Finance, about the state of financial literacy in Canada and the practical financial planning questions Canadians should be asking. You'll learn: How to build financial confidence by turning financial knowledge into practical habits and decisions.How to think about CPP, investment returns, TFSAs and RRSPs without falling into common assumptions and misconceptions.How to manage financial uncertainty with realistic expectations and smaller, actionable “micro financial plans” that keep you moving forward. Listen to the episode to build the financial literacy and confidence you need to make better wealth decisions—one small plan at a time.

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Have you thought about how our retirement planning can be derailed by having a portfolio built using principles that might no longer work? In the current financial climate, you need actionable ideas to help reduce risk and grow your retirement wealth. Your wealthy retirement will help you navigate investing and financial planning by exposing how traditional advice often fails to incorporate these changes. You'll Discover: 1. How to protect your retirement wealth against today’s changing investment landscape and economic risks. 2. How you can adapt your retirement strategy to major trends like rising longevity, trade uncertainty, and climate change. 3. Ways to build greater confidence in your retirement finances with wealth-preservation strategies designed for today’s challenges. Tune in every Thursday where you'll hear thought leader, author and portfolio manager John De Goey show you how to reduce risk and protect your wealth with a pension styled approach. If you're thinking about becoming a subscriber (highly recommended), listen to recent fan favorite episode #147 with Tom Czitron to get started - hit play & listen now!

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