Parallel Wealth

Your paycheque doesn’t have to disappear when you retire.

Set up regular withdrawals from your retirement accounts so income continues to hit your bank account on a predictable schedule.

Still working full time and wondering whether you should start CPP and OAS?

Gord and Michael dive into this question, the tax impact, and when delaying benefits may make more sense in this week’s new episode of the podcast, out now.

A large RRIF can create a significant tax bill at death. A thoughtful drawdown strategy can help you enjoy more of your money during retirement while also improving the tax efficiency of your estate.

An income wedge is designed to give you more confidence pulling money from your portfolio when markets are down.

We break down how it works and why the terminology matters.

Episode 51 of the podcast is out now.

Don’t wait until retirement to start enjoying the life you’ve been planning for.

Start checking off the bucket list now and ease into the lifestyle you want later.

A cash flow wedge doesn’t have to mean sitting on a pile of cash.

Think of it as an income wedge: 3 to 5 years of planned retirement income set aside in investments designed to stay accessible and keep your money working.

Spousal RRSP withdrawals come with important tax rules. Here’s what to know before taking money out in retirement.

Retirement is easier when you have something to retire to.

A simple routine can help create purpose, momentum, and connection once work is no longer structuring your day.

Retiring early does not automatically mean you should take CPP early.

Even with non-contributory years, delaying CPP may still make sense once you run the numbers.