Category Archives: Retirement Income Planning

There are a number of ways that the equity you build in your principal residence can serve to either create an income stream or provide access to an amount of capital. In either option, the receipts are free from taxation. You are … Continue reading

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So what is the relationship between the tax treatment on different forms of income and the various tax brackets? The following table examines this by calculating how much pre-tax money would be needed from each type of income in 2011 in order … Continue reading

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When you are going through your working years, your employment income is really your main source of cash flow. When you are retired, you may have 6-8 different sources of income. So which ones should you use first? How do … Continue reading

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In 2012, there was four key changes to the Canada Pension Plan. The changes will started in 2012 and will be fully implemented by 2016. First, there is a positive change in the calculation of career earnings. Simply stated, by … Continue reading

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The CPP retirement pension serves as the next layer of income that should be triggered. In this section, I will cover off some mechanics of the benefit and address the most common question people ask about their CPP pension, which … Continue reading

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Today’s post, we are going to look at RRSPs as the next layer in building the cash flow you need. Granted, the payments from RRSP/RRIF plans are fully taxable, but you do have a greater degree of access to these … Continue reading

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Our past few posts have talked about investment considerations for your withdrawal portfolio. Today we talk about withdrawal considerations. What is an appropriate level for withdrawal from a variable portfolio in order to sustain the income being drawn over the … Continue reading

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Last post, we talked about some investment considerations for your withdrawal portfolio. Today, we will continue on the additional ways you can maximize all the benefits offered from your income-producing assets. Today, we talk about fee structures. Look for a … Continue reading

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There are a number of strategies and considerations that will be beneficial to you in obtaining the maximum benefit from your income-producing assets. Some have been addressed in previous posts such as: consolidate assets consider income streams as well as … Continue reading

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This “Cash Wedge” is what Daryl Diamond calls the income delivery process he developed in 1993 and has been a success ever since. The Process This withdrawal model incorporates a number of income and investment concepts within it, some of … Continue reading

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