The Simple Plan

The never-ending debate is getting clearer every year. What's the right choice--TFSA or RRSP? TFSA vs RRSP: Which is the Best Option for You? Find out the key differences between the Tax-Free Savings Account and Registered Retirement Savings Plan and discover why many families should prioritize maxing out their tax-free savings account. Watch this video to make informed decisions about your investments and avoid common mistakes. Don't forget to subscribe for more financial tips and advice!

People complain that they pay years of life insurance premiums but never get a benefit. What if you could recover all your premiums if you don't die? We look at how Canadians can recover the value of their premiums without having to die during the term of the policy.

What does a true retirement plan look like? We start our journey by looking at every aspect of a complete retirement plan. Most Canadians have no plan and those that do usually have only one or two steps covered of the 7-Step Retirement Plan that assures your future and legacy. Join us for episode 1: The Retirement Plan Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠Brad's Online Calendar.⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠The Simple Plan Community.⁠⁠

We'll examine what role your Canada Pension Plan and Old Age Security programs play in your retirement. What can you expect, what are your options, and how do you decide what to do? Tools in this episode: Current and Projected CPP and OAS https://www.ppi.ca/calculators/6Y1aRiJnOsXDmUGDHX4iLj CPP Benefit--Early or Later https://www.ppi.ca/calculators/2OJ3GQifL2emcoBWtT6ZaL CPP Overview--Govt of Canada website https://www.canada.ca/en/services/benefits/publicpensions/cpp.html My Service Canada Account https://www.canada.ca/en/employment-social-development/services/my-account.html Retirement Income Calculator--Govt of Canada https://srv111.services.gc.ca/GeneralInformation/Index Old Age Security https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/benefit-amount.html OAS Recovery Tax--The Clawback https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/recovery-tax.html Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠Brad's Online Calendar.⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

Retirement does not necessarily mean completely stopping work. There are many ways to transition from full-time work to being completely retired from working. The choices are endless, and can greatly improve the quality of your retirement. Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠⁠Brad's Online Calendar.⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

Inflation can be a financial cancer on both our Retirement and Retirement Planning. We have to have a plan to deal with inflation, or we can run out of money in retirement. We'll show you what you can build into your plans to ensure that your future is not undermined by inflation. Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠⁠⁠Brad's Online Calendar.⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

When planning for retirement, most people focus on how much they're saving, investment rates of return, and fees. The real target is how much after-tax spending power you'll have in retirement, and how to ensure that income is sustained for your entire life. Join us to see the ways in which you can ensure you have all the income you need in retirement. It's essential that you start out with the end in mind! Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠⁠⁠⁠Brad's Online Calendar.⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

The best Retirement Plan in the world can be quickly undermined by the need for long-term care. When asked, many people believe that 'the government' will take care of them should they need care, but it's probably not the kind of care you'd want to see for your parents or your spouse. All too often, one spouse needs care (Alzheimer's and dementia numbers are soaring, for one example), and the Retirement Nest Egg is completely emptied for their care. When they pass, the surviving spouse is left with reduced income and no nest egg. We look at how to build a solid plan to be sure you can be cared for when you need it most. Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠⁠⁠⁠⁠Brad's Online Calendar.⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

There are a number of ways to access the equity in your home during retirement. From downsizing, to HELOCs and Reverse Mortgages, we look at what works and what to watch out for! Want to know more? Book an appointment with Brad to discuss your options: ⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Calendar.⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠

We should all have Guaranteed Income for Life as part of our retirement income. One powerful tool for this is Annuities, which are increasing in payout value right now along with rising interest rates. We look at what an annuity is and when it is the right fit for your retirement plans. Want to know more? Book an appointment with Brad to discuss your options: ⁠Brad's Online Calendar.⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠The Simple Plan Community.⁠⁠

For most of us, we have a single asset that we rarely think about that is greater than all our other assets combined. We look at how to protect that asset best to ensure your family's way of life is never undermined financially. Book an appointment with Brad to discuss the best options for you: ⁠⁠Brad's Online Booking Calendar.⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠The Simple Plan Community.⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠https://go.getthesimpleplan.com/subscribe⁠

Our deep-dive into the new hybrid financial plans and exactly what Tax-Free Growth and Security mean. We look at a specific example that families are using today. Book an appointment with Brad to learn more: ⁠⁠Brad's Online Booking Calendar.⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠The Simple Plan Community.⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠https://go.getthesimpleplan.com/subscribe

Money can't buy you love, and your love won't pay my bills, but we need both! We'll look at some of the traps and tips for making money a great uniter in your crucial relationship, not a divider. Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe

What does it take to buy and own a home? We'll look at the ins and outs of down payments, mortgages, and the joys and challenges of home ownership. And most of all--how not to make yourself 'house poor'! Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe

Should you work with a financial advisor? It's not essential, and there are certainly many ways to 'do it yourself'. How to assess if you might want to work with an advisor, and how to do it well! Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe

A common question is how much disability coverage we should carry. We'll look at our calculator that helps you determine your level of coverage. Bonus--it's great for figuring out how big your Emergency Fund should be, too! Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe⁠⁠⁠

We look at a heart-rending story that shows why you may well need life insurance for spouses who do not earn an income. And how to figure out how much insurance you should have for them. Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

You don't have to plan to get into debt, but you'll never get out of debt without a plan. We'll look at how to build a plan to get rid of debt from your life forever. Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe⁠⁠⁠

Wondering about how much to keep in your Emergency Fund? We'll unpack that for you today to help you determine your own, personalized, answer. Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe⁠⁠⁠⁠⁠

There may be a new twist to thinking about this issue. Join us for both the core considerations and the new twist! Book an appointment with Brad to learn more: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Brad's Online Booking Calendar.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ There is something so powerful about being surrounded by individuals with similar goals to yours. Join us in our Facebook Community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Simple Plan Community.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Would you like to stay connected and receive tips sent directly to your email? Click here to subscribe to our weekly newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://go.getthesimpleplan.com/subscribe⁠⁠⁠⁠⁠