Above is a graph of a typical retiree’s spending over time. It’s not scientific; it’s not derived from a famous study, but it is a trend that I have found to hold true with almost all retired clients.

Let me explain.

The upward slant

Life costs more every year. The 2023 word of the year: ‘in...

If your family is anything like mine, you’re spending money at breakneck speeds. It is truly impressive how quickly a monthly pay cheque can be eaten up by gymnastics dues, swim lessons, and the occasional wing night.

I’ve never felt so rich and so poor simultaneously.

The benefit I have over you,...

What life are you planning for?

Northstar Goals

My dream as a future grandparent is to be able to drop what I am doing and help our girls with their kids any time they need it (or whenever I feel like it). It’s a “Northstar” type of goal for me; one that is guiding many of the decisions I’m making...

Unattainable goals

Humpback whales are breaching in the background as I type this.

I have a steaming hot cup of black coffee, chill beats playing in the background, and the kids are eating cereal at the counter.

Our day will consist of bizarrely smooth and silky shaved ice, snorkeling with colour...

To a person, all of my retired clients start with this goal: 'I do not want to be a financial burden.'  Sure, it is worded differently or coded as, 'Will we have enough?', but most people want the same thing - to be able to take care of themselves financially. 

Here is how to do that...

Retire Deb...

Golf is a Season. RRSP is not. And a wonderful season it is! I love golf nearly as much as I do the Lakers and my family, but I digress...

RRSP season is not a 'thing', or at least it shouldn't be. Here's why ⤵️

I recommend investing monthly or bi-weekly – whatever matches how you get paid...