How Much Will CPP and OAS Really Cover in Retirement?
What Canadians Need to Know About Government Benefits, Breakeven Ages, and Balancing Security with Flexibility Government Benefits: A Reliable Foundation, Not the Full Plan A common question clients ask me is, “How much will CPP and OAS cover in my retirement?” It’s a fair question. After contributing for decades, many expect these programs to fund […]
Why Budgets and Budgeting Don’t Work
Budgets Don’t Work! Rethinking Budgeting: The Cash Flow Approach When I first started in the financial business, we were taught that helping clients determine their budget was beneficial to them reaching their financial goals. I’ve seen firsthand the cringe that the word “budget” can elicit. It’s like the word “diet”—immediately, one imagines restrictions, limitations, and […]
September is Right Around the Corner
Well, that summer flew by! And that means school will soon be back in session. September can be a financial whirlwind for parents. And not in a good way. There are back-to-school supplies to shop for, new outfits to buy, and for some, tuition fees to pay. I wanted to share a few ideas so […]
