Retirement Education Resources

Independent educational materials for Canadians planning their retirement
No financial advice
Educational content only
Free resources
No cost to access

65%

Canadians concerned about having enough retirement savings

42%

Have no written retirement plan

28

Average years spent in retirement

$1.7M

Estimated needed for comfortable retirement

Comprehensive Retirement Education

Our library of resources covers all aspects of retirement planning
savings
Savings Strategies

Learn about RRSP, TFSA, and non-registered account strategies for optimal retirement savings growth.

  • check_circle Contribution limits
  • check_circle Asset allocation
  • check_circle Tax implications
account_balance
Government Benefits

Understand Canada's retirement benefit system including CPP, OAS, and GIS programs.

  • check_circle Eligibility requirements
  • check_circle Payment calculations
  • check_circle Application process
request_quote
Withdrawal Strategies

Educational materials on tax-efficient withdrawal approaches in retirement.

  • check_circle RRSP/RRIF withdrawals
  • check_circle TFSA strategies
  • check_circle Minimum withdrawals
cardiology
Healthcare Planning

Understand healthcare costs and insurance options for retirement.

  • check_circle Provincial coverage
  • check_circle Private insurance
  • check_circle Long-term care
house
Housing Options

Explore housing alternatives and financial considerations for retirees.

  • check_circle Downsizing
  • check_circle Reverse mortgages
  • check_circle Retirement communities
balance
Estate Planning

Learn about wills, powers of attorney, and estate preservation.

  • check_circle Probate process
  • check_circle Tax implications
  • check_circle Beneficiary designations

Retirement Planning Timeline

Key milestones in the retirement planning journey
school
Early Career (20s-30s)
  • Start saving early to benefit from compound growth
  • Establish emergency fund (3-6 months expenses)
  • Begin RRSP contributions
  • Consider first-time home purchase
business_center
Mid Career (40s-50s)
  • Maximize RRSP and TFSA contributions
  • Pay down mortgage and other debts
  • Review insurance needs (life, disability, critical illness)
  • Begin serious retirement projections
monitoring
Pre-Retirement (50s-60s)
  • Catch-up contributions if available
  • Develop detailed retirement budget
  • Consider downsizing or relocation
  • Create estate plan (will, powers of attorney)
beach_access
Retirement (65+)
  • Apply for government benefits (CPP, OAS)
  • Convert RRSP to RRIF by age 71
  • Implement tax-efficient withdrawal strategy
  • Review estate plan regularly

In-Depth Educational Topics

Investment Principles
  • radio_button_unchecked Asset allocation strategies
  • radio_button_unchecked Risk tolerance assessment
  • radio_button_unchecked Diversification techniques
  • radio_button_unchecked Rebalancing approaches
  • radio_button_unchecked Understanding fees
Tax Considerations
  • radio_button_unchecked Retirement income splitting
  • radio_button_unchecked Pension income credit
  • radio_button_unchecked Tax implications of withdrawals
  • radio_button_unchecked Charitable giving strategies
  • radio_button_unchecked Capital gains planning
Lifestyle Planning
  • radio_button_unchecked Social engagement strategies
  • radio_button_unchecked Volunteer opportunities
  • radio_button_unchecked Part-time work options
  • radio_button_unchecked Travel budgeting
  • radio_button_unchecked Hobby development
Risk Management
  • radio_button_unchecked Longevity risk
  • radio_button_unchecked Inflation protection
  • radio_button_unchecked Healthcare cost planning
  • radio_button_unchecked Disability considerations
  • radio_button_unchecked Emergency fund maintenance
Government Programs
  • radio_button_unchecked CPP enhancement details
  • radio_button_unchecked OAS clawback thresholds
  • radio_button_unchecked GIS eligibility
  • radio_button_unchecked Pension income splitting
  • radio_button_unchecked Tax credits for seniors
Behavioral Finance
  • radio_button_unchecked Cognitive biases in retirement
  • radio_button_unchecked Emotional spending patterns
  • radio_button_unchecked Loss aversion tendencies
  • radio_button_unchecked Decision-making frameworks
  • radio_button_unchecked Decision-making frameworks

Additional Educational Resources

Expand your retirement knowledge with these materials
Recommended Reading
  • book_2
    The Canadian Retirement Guide
    Comprehensive overview of retirement planning in Canada
  • book_2
    Your Retirement Income Blueprint
    Strategies for creating sustainable retirement income
  • book_2
    The Essential Retirement Guide
    A contrarian perspective on retirement planning
Government Resources
  • language
    Service Canada - Retirement Planning
    Official government information on retirement benefits
  • language
    Canada Revenue Agency - RRSPs
    Tax information on registered retirement savings plans
  • language
    Financial Consumer Agency
    Independent financial information for Canadians