Retirement Unpacked

Parallel Wealth

Retirement Unpacked is a weekly podcast by Parallel Wealth Financial Group. Our planners break down key retirement topics for Canadians—income strategies, tax planning, CPP, OAS, TFSAs, RRSPs, RRIFs, lifestyle choices, and estate planning. We answer real questions from YouTube, emails, and client conversations, giving you practical insights and strategies to retire with confidence, clarity, and peace of mind. Join us each week as we unpack retirement together.

  1. 6天前

    032 | How Is Your CPP Estimate Actually Calculated?

    In episode 32 of Retirement Unpacked, Brett and Peter  break down fee-for-service vs. ongoing financial planning, the assumptions behind your CPP estimate, how to reduce large capital gains in retirement, renting vs. owning in retirement, probate planning, and more. Later in the episode, Paul Grenier joins to discuss growing vs. protecting your wealth in retirement, and why striving for more doesn’t necessarily give you greater peace of mind.   Subscribe to our clips YouTube channel: https://www.youtube.com/channel/UCwY3ZvNc_qCU-WuIKh-aulA Chapters 0:00 Intro 0:45 Fee-for-service planning vs. ongoing financial planning 6:00 Clarification around CPP estimates 10:19 What Safeguards Exist With Canadian Investment Firms? 17:00 Nominal vs. real dollars 20:36 How to meltdown large capital gain in retirement 25:35 Renting vs. buying a condo in retirement 33:43 Cashflow wedge planning when you have a pension 39:30 Probate planning 44:45 RDSP planning in retirement 50:38 Growing vs. protecting wealth in retirement 59:31 Dangers of chasing higher returns to meet goals

    1 小时 7 分钟

  2. 4月11日

    031 | If You're Retiring Early, What Happens To Your CPP?

    In episode 31 of Retirement Unpacked, Adam and Gord  break down if it makes sense to delay your OAS, what happens to CPP if you retire early, the pros and cons of renting vs. holding onto your house in retirement, when income splitting is beneficial, and much more. Later in the episode, Peter Filippakis joins us to discuss what future changes to OAS could look like and how you can plan ahead if those changes are a concern.   Subscribe to our clips YouTube channel: https://www.youtube.com/channel/UCwY3ZvNc_qCU-WuIKh-aulA Chapters 0:00 Intro 0:24 Does it make sense to delay OAS? 3:20 Delaying OAS when you've lived in Canada less than 40 years 5:00 Retiring at 55, what happens to CPP? 8:41 Delaying CPP is pushing me into OAS Clawback 11:53 Renting vs. holding onto the house in retirement 15:36 Should you pay cash for cars? 19:00 When is income splitting beneficial? 21:59 Do you need insurance to cover your debt? 25:00 Trigger to use your cashflow wedge 28:30 Potential changes to OAS 35:09 - Upsizing in retirement

    39 分钟

  3. 4月4日

    030 | When Is The Best Time To Start An RRSP Meltdown?

    In episode 30 of Retirement Unpacked, Kyle and Mathieu break down what age you should think about starting an RRSP meltdown, whether there's a need for a cashflow wedge if you don't need the money, how couples should plan around long-term care costs, planning considerations for singles, and much more.Later in the episode, Gord Manzer joins to discuss how AI is impacting retirement planning, and whether you should be trusting it for financial advice. AI's impact on financial and retirement planning: https://money.ca/managing-money/retirement/should-canadians-trust-ai-for-retirement-planning Subscribe to our clips YouTube channel: https://www.youtube.com/channel/UCwY3ZvNc_qCU-WuIKh-aulA Chapters 0:00 Intro0:19 What age should you start an RRSP meltdown?4:08 Can you move RRSP/RRIF investments to other accounts? 6:00 Do you need a cashflow wedge if you don't need the money? 10:19 Planning for long-term care if only one spouse needs it 15:47 Can you pause CPP to start an RRSP meltdown? 19:41 Planning considerations for single retirees 24:10 Putting your kids on cottage title to avoid tax 28:22 What income qualifies for income splitting? 32:39 Is TFSA transferred tax-free to beneficiaries upon death? 34:32 Start CPP early to pay down mortgage? 40:12 Should you trust AI for financial and retirement advice? 48:55 RRIF/LIF minimums with private credit & equity investments

    54 分钟

  4. 3月28日

    029 | If You've Maxed Out CPP, Do Not Make This Timing Mistake

    In episode 29 of Retirement Unpacked, Adam and Matthew break down whether delaying OAS is actually worth it, if one spouse should start CPP early when both have the max benefit, how to think about the RRSP meltdown in the real world where markets are volatile, and whether carrying a joint universal life policy through retirement makes sense.Later in the episode, Kyle Martins joins to discuss the process of transferring your investment accounts from one institution to another, and how it's a lot easier than you might think. FP Canada's rate of return assumptions Subscribe to our clips YouTube channel   0:00 Intro0:10 Should you delay OAS?2:56 If both spouses have max CPP, should one start early?6:12 Retiring at 60: Do you have to keep contributing to CPP?8:51 When should you replenish cashflow wedge?13:09 RRSP meltdown with volatile markets21:47 Does savings in US dollars change withdrawal strategy?24:34 Should you retain joint universal life policy through retirement?29:26 Should you have debt, should you get term insurance?33:43 Bank says I can't withdraw more than the RRIF minimum35:57 If you only have CPP & OAS, will you qualify for GIS?39:37 How to transfer accounts between institutions44:04 Successor vs. beneficiary on a TFSA

    47 分钟

  5. 3月21日

    028 | Why You Feel Nervous About Retiring (And What To Do)

    In episode 28 of Retirement Unpacked, Brett and Michael break down if children receive any CPP benefit if their parents pass away, when spousal loans make sense, why it's normal to be nervous heading into retirement, if there is any reason to convert your RRSP to a RRIF before 71, and much more.Later in the episode, one of our planners, Paul Grenier, joins to discuss how OAS calculated if you haven't spent a full 40 years in Canada by age 65, and what the effects of delaying are.Chapters0:00 Intro0:25 Do children receive any CPP benefit if parents pass away?2:11 When do spousal loans make sense?8:51 75% stocks/25% guaranteed return for cashflow wedge?12:35 Is it normal to be nervous entering retirement?18:27 Is QPP an option on PWL calculator?19:46 Any reason to convert RRSP to RRIF before 71?27:46 Actual dividend amount or grossed up amount for corporations?30:10 Capital gains consequences if put on house deed?40:50 OAS calculation when you haven't spent full 40 years in Canada45:48 Spousal RRSP to RRIF transfers

    52 分钟

  6. 3月14日

    027 | What Market Drop Should Trigger Using Your Cashflow Wedge?

    In episode 27 of Retirement Unpacked, Adam and Jon break down what percentage drop in the market should trigger using your cashflow wedge, whether or not you should start CPP at 60 if you've already maxed it out, what to do when your RRSP has outperformed your planned withdrawals, whether or not you're actually better off with a cashflow wedge, and much more.Later in the episode, one of our planners, Peter Filippakis, joins to discuss the importance of using reasonable assumptions in your plan. Our clips channel: https://www.youtube.com/@ParallelWealthClips 0:00 Intro0:16 What % drop should trigger cashflow wedge?3:18 Maxed out CPP: Should we start at 60?6:30 Drawdown strategy to help out kids9:56 Do spousal RRSP dividends count as contributions?12:43 RRSP returns outpacing my planned withdrawals16:00 Does cashflow wedge underperform?24:49 Spousal RRSP vs. RRSP: Which to drawdown first?31:05 Process when transferring LIF to another institution34:07 Importance of reasonable assumptions in planning

    46 分钟

  7. 3月7日

    026 | The Truth About Living On CPP & OAS In Your 80s

    In episode 26 of Retirement Unpacked, Adam and Brett break down future TFSA contribution limit projections, how OAS clawback can affect withdrawal strategy, whether or not CPP and OAS can cover your no-go phase, how much Canadians believe they need to retire, and a much more.Later in the episode, one of our planners, Gord Manzer, joins to discuss the prevalence of AI powered financial scams, and what you can do to protect yourself and your loved ones. Chapters: 0:00 Intro 0:17 Future TFSA contribution limit growth3:54 Cashflow wedge with passive income investing 8:00 In-kind transfer from RRIF to TFSA/non-reg 14:26 Does OAS clawback affect withdrawal strategy? 19:43 Will CPP and OAS cover no-go phase? 25:00 Non-registered vs. universal life policy 33:15 Do you have to start withdrawing from LIF right away? 34:35 Small balance provision for LIFs 42:11 How to avoid tax installments 46:24 AI powered financial scams 59:42 Do you need $1.7M to retire?

    1 小时 14 分钟

  8. 2月28日

    025 | The Hidden OAS Trap Canadians Never See Coming

    In episode 25 of Retirement Unpacked, Adam and Paul break down how OAS clawback works year to year, whether it still makes sense to delay CPP to 70 if you stop contributing early, the best place to park money when you don't need the mandated withdrawals, and much more. Later in the episode, one of our planners, Martin Goudreault, joins to discuss a couple client success stories, and the impact that a retirement plan can have for Canadians.Chapters: 0:00 Intro 1:00 What happens if you die before you start your pension?4:37 Can OAS clawback vary from year to year?7:47 Planning around a large account size gap between spouses10:34 Stopped contributing to CPP early: Does delaying still make sense?14:08 Best ways to deplete RESPs18:53 Moving money from LIF to RRSP22:42 Best place to park money when you don't need it26:35 In-kind transfers from RRIF to TFSA29:42 Delaying CPP to 70: What if spouse passes early?33:55 Client success stories38:27 Warning: Firms are cutting planning, but not fees

    46 分钟
查看全部 34 集

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关于

Retirement Unpacked is a weekly podcast by Parallel Wealth Financial Group. Our planners break down key retirement topics for Canadians—income strategies, tax planning, CPP, OAS, TFSAs, RRSPs, RRIFs, lifestyle choices, and estate planning. We answer real questions from YouTube, emails, and client conversations, giving you practical insights and strategies to retire with confidence, clarity, and peace of mind. Join us each week as we unpack retirement together.

信息

  • 创作者
    Parallel Wealth
  • 活跃年份
    2025年 - 2026年
  • 单集
    34
  • 分级
    儿童适宜
  • 版权
    © Parallel Wealth
  • 节目网站
    Retirement Unpacked

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