Blog - Trans Canada Wealth | Guiding Canadians through Retirement

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3 Proven Ways to Increase Retirement Spending Without OAS Clawbacks

3 Proven Ways to Increase Retirement Spending Without OAS Clawbacks

February 12, 2025

Withdraw RRSP Funds Tax-Free

How to Withdraw RRSP Funds Tax-Free: A Strategic Approach

January 21, 2025

Stress Test Your Retirement Plan

How to Stress Test Your Retirement Plan for Market Downturns

December 23, 2024

Worried About Retirement

Worried About Retirement

December 16, 2024

You Need Less Than You Think to Retire

You Need Less Than You Think to Retire

December 11, 2024

Great Returns? Time to Rethink Your RRSP Meltdown!

Great Returns? Time to Rethink Your RRSP Meltdown!

December 4, 2024

Living off Dividends

Living Off Dividends: A Retirement Strategy You Need to Rethink

November 29, 2024

Avoid This Costly Retirement Withdrawal Strategy

Avoid This Costly Retirement Withdrawal Strategy

November 12, 2024

RRSP Meltdown Sweet Spot

The RRSP Meltdown Sweet Spot: Optimize taxes in retirement

November 5, 2024

Breaking Down A Subscriber's Retirement Plan

Retirement Plan: Breaking Down A Subscriber’s Plan

October 22, 2024

Retirement Co Pilot

Don’t Let These Pilots Crash Land Your Retirement

October 15, 2024

RRSP Meltdown or RRIF Minimum: Best Withdrawal Strategy?

October 8, 2024

Retirement Mistake That's Costing You

Retirement Mistake That’s Costing You

September 30, 2024

Do This Before You Retire

Retirement: Ask Yourself This Before You Retire

September 17, 2024

Investment Performance vs Tax Planning

Investment Performance vs Tax Planning

September 10, 2024

Understanding Taxes on Your Retirement Income

Understanding Taxes on Your Retirement Income

September 4, 2024

The 3 Bucket Strategy

The 3 Bucket Strategy

August 30, 2024

All Your Money In RRSPs?

All Your Money In RRSPs?

August 20, 2024

How Dividends Affect Your RRSP Meltdown

How Dividends Affect Your RRSP Meltdown

August 13, 2024

The Cost Of Delaying Your RRSP Meltdown

The Cost Of Delaying Your RRSP Meltdown

July 23, 2024

When You Shouldn’t Meltdown Your RRSPs

When You Shouldn’t Meltdown Your RRSPs

July 16, 2024

3 Reasons to Meltdown RRSP

3 Reasons to Aggressively Meltdown Your RRSP

July 9, 2024

How The New Capital Gains Tax Affects Cottage Owners

How The New Capital Gains Tax Affects Cottage Owners

July 2, 2024

Optimize Your RRSP Withdrawals

How To Optimize Your RRSP Withdrawals

June 25, 2024

4 Ways to Keep Your Kids from Squandering Their Inheritance

4 Ways to Keep Your Kids from Squandering Their Inheritance

June 18, 2024

Retirement Withdrawals in Go-Go Years

Retirement Withdrawals in Go-Go Years

June 11, 2024

Is Your RRSP Really Yours?

May 28, 2024

Avoid Withdrawing Funds When Your Investments Are Down

Avoid Withdrawing Funds When Your Investments Are Down

May 21, 2024

Retirement Withdrawal Strategies for Singles

Retirement Withdrawal Strategies for Singles

May 14, 2024

Time is your most valuable resource

May 3, 2024

The Dark Side of a Tax-Free Retirement

April 22, 2024

2024 Canadian Budget: How does it affect your retirement?

April 18, 2024

Retiring with a Pension

Retiring with a Pension

April 11, 2024

$1.5M Portfolio?

How much can you spend in retirement with a $1.5M Portfolio?

April 9, 2024

3 Underused Tax Strategies In Retirement

3 Underused Tax Strategies In Retirement

March 19, 2024

Steer Clear of These Two Mistakes in Retirement

Steer Clear of These Two Mistakes in Retirement

March 12, 2024

Why you shouldn't hire me for a one-time retirement plan

Why you shouldn’t hire me for a one-time retirement plan

March 1, 2024

Why Most Retirees Underspend In Retirement

Why Most Retirees Underspend In Retirement

February 26, 2024

Retiring at 55 with 2 Million

Retiring at 55 with 2 Million

February 13, 2024

How Often Should You Make RRSP Withdrawals?

How Often Should You Make RRSP Withdrawals?

January 30, 2024

Tips for Withdrawing from a Large RRSP

Tips for Large RRSP Withdrawals

January 22, 2024

Why Living Off Your Portfolio’s Interest in Retirement is Dangerous

January 12, 2024

Tax Mistakes Every Retiree Should Avoid

Tax Mistakes Every Retiree Should Avoid

January 8, 2024

The Best Age to Convert Your RRSP to a RRIF

The Best Age to Convert Your RRSP to a RRIF

December 22, 2023

Buying GICs At These Rates

Should You Be Buying GICs At These Rates?

December 13, 2023

Investing After 60

Investing After 60

November 28, 2023

4 Ways to Calculate What You Can Spend in Retirement

4 Ways to Calculate What You Can Spend in Retirement

November 16, 2023

Retiring Soon, Consider these 3 things

Retiring Soon? 3 Things to Consider

October 26, 2023

Inflation in Retirement

Inflation in Retirement

October 23, 2023

Managing Your Tax Brackets in Retirement

Managing Your Tax Brackets in Retirement

October 10, 2023

Does the CRA owe you money?

Does the CRA Owe You Money?

October 4, 2023

Tax-Efficient Retirement Withdrawal Strategies

Tax-Efficient Retirement Withdrawal Strategies

September 23, 2023

How Much Can You Spend In Retirement?

How Much Can You Spend In Retirement?

September 15, 2023

Unlocking the TFSA Secret

Unlocking the TFSA Secret

September 8, 2023

Which Account Should You Pull From First In Retirement?

Which Account Should You Pull From First In Retirement?

August 29, 2023

RRSP Withdrawals Done Wrong!

RRSP Withdrawals Done Wrong!

August 25, 2023

Withdraw From RRSP Tax-Free

Withdraw From RRSP Tax-Free!

August 2, 2023

Financially Helping Your Grandchildren

Financially Helping Your Grandchildren

July 18, 2023

Retirement What Ifs

Retirement What Ifs

July 12, 2023

Don't Fall For This Retirement Trap

Don’t Fall For This Retirement Trap

June 27, 2023

Retirement Asset Map

Retirement Asset Map

June 21, 2023

Reduce Retirement Stress

Reduce Retirement Stress

June 14, 2023

Taking CPP Early to Invest

Taking Your CPP Early To Invest

May 30, 2023

What happens to your RRSPs when you retire

What happens to your RRSPs when you retire?

May 16, 2023

RRSP Withdrawals Due To Shortened Life Expectancy

RRSP Withdrawals Due To Shortened Life Expectancy

May 2, 2023

Maximize Your Government Benefits

Maximizing Your Government Benefits

April 26, 2023

Can You Retire On $1 Million?

Can You Retire On $1 Million

March 28, 2023

Drawdown Your RRSPs, 3 Reasons Why You Should

March 17, 2023

Using Your Children's CGE for Tax-Free Withdrawals from Your Corporation

Using Your Children’s CGE for Tax-Free Withdrawals from Your Corporation

March 10, 2023

Bill C-208 Part 2

Bill C-208 Part 2: Using Your Capital Gains Exemption

February 22, 2023

Dividends Don't Add Value

Dividends Don’t Add Value

February 22, 2023

Do you need life insurance once you retire

Do You Need Life Insurance Once You Are Retired?

February 7, 2023

Bill C-208 Explained

January 31, 2023

Avoid this retirement mistake

Avoid This Retirement Mistake

January 17, 2023

Retirement withdrawals in a bad market?

How to make retirement withdrawals in a bad market

January 6, 2023

10 Positives Going Into 2023

10 Positives Going Into 2023

January 3, 2023

Beware of Buying Investments before the end of the year

Beware Of Buying Investments Before End Of The Year

December 19, 2022

Can You Retire on $750,000?

Can You Retire on $750,000?

December 14, 2022

Extra RRSP Withdrawal

Extra RRSP Withdrawal

December 12, 2022

Tax-Loss Selling

Tax-Loss Selling

December 7, 2022

Triggering Investment Losses in a Corporation

Triggering Investment Losses in a Corporation

December 1, 2022

What happens to your CPP when you pass away?

What Happens To Your CPP When You Pass Away?

November 17, 2022

Caution When Deferring Your OAS

Deferring Your OAS

November 8, 2022

Estate Freeze

Estate Freeze

November 2, 2022

Can You Retire On $500,000?

Can You Retire On $500,000?

October 26, 2022

Can I Deduct my Advisory Fees

Can You Deduct You Financial Advisory Fees?

October 19, 2022

Should you wait until things look better to invest

Should You Wait Until Things Look Better To Invest?

October 12, 2022

Best Questions To Ask A Financial Advisor

Best Questions To Ask A Financial Advisor

September 23, 2022

Should You Be Using More Than One Financial Advisor?

Should You Be Using More Than One Financial Advisor?

September 6, 2022

Invest Large Lump Sum of Money Tax-Efficiently By Using Your Children

Invest Large Lump Sum of Money Tax-Efficiently By Using Your Children

September 6, 2022

Simple Tweak Saves $50,000 in Taxes

Case Study: Simple Tweak Saves $50,000 in Taxes

August 30, 2022

2 Things That Should Be In Your Corporation

2 Things That Should Be In Your Corporation

August 3, 2022

Is Now The Right Time to buy Gics?

Is Now The Right Time To Buy GICs?

August 2, 2022

Retirement Plan Leads to $900,000 in Savings

Retirement Plan Leads to $900,000 in Savings

June 24, 2022

The Bear Market Playbook

The Bear Market Playbook

June 14, 2022

Paying for Private Home Care

Private Home Care

June 8, 2022

4 Conflicts Faced by Financial Advisors

4 Conflicts Faced by Financial Advisors

June 1, 2022

Where Should I Invest?

May 25, 2022

Investment Advisor vs Mutual Fund Rep vs Portfolio Manager: What is the difference?

What is the difference?

May 18, 2022

Capital Gains Exemption for Business Owners

Capital Gains Exemption for Business Owners

May 18, 2022

Getting Ready for a Bear Market

Getting Ready for a Bear Market

May 12, 2022

Sell Now and Buy Back Later

Sell Now And Buy Back Later?

April 28, 2022

Book Value vs Market Value

Book Value vs Market Value

April 28, 2022

Are you on track to retire?

Are You On Track To Retire?

April 20, 2022

Margin Account, Using a Margin Account

Using a Margin Account

April 19, 2022

First Home Savings Account

First Home Savings Account

April 13, 2022

3 Reasons Retirement Plans Fail

3 Reasons Retirement Plans Fail

March 28, 2022

Investment Questions Part 2

Investment Questions Part 2

March 18, 2022

3 Mistakes to Avoid in Retirement

3 Mistakes to Avoid in Retirement

March 14, 2022

AgriInvest, Withdraw

AgriInvest

March 8, 2022

Our thoughts on the Russian Invasion

Our thoughts on the Russian Invasion

March 3, 2022

What should you do

What should you do?

February 23, 2022

Make $146,000 Tax-Free in Retirement

Make $146,000 Tax-Free in Retirement

February 14, 2022

Access Money From Your LIRA Account

Access Money From Your LIRA

February 7, 2022

How did your portfolio do in 2021?

Did Your Portfolio Make 21% in ’21?

January 25, 2022

Don’t Run Out of Money

January 19, 2022

MTAR Accounts for Business Owners

MTAR Accounts for Business Owners

January 12, 2022

Tax Season: Part 2

January 11, 2022

How Is Your Investment Portfolio Taxed?

How Is Your Investment Portfolio Taxed?

December 29, 2021

Donation Strategies for Farmers

Donation Strategies for Farmers

December 28, 2021

Investment Questions Part 1

Investment Questions Part 1

November 26, 2021

Capital Dividend Account, Farm, Farmers

Capital Dividend Account

November 22, 2021

Tax Bomb

Avoiding the RRSP Tax Bomb

November 16, 2021

How To Help Your Employees Retire

How To Help Your Employees Retire

October 26, 2021

Do you own mutual funds?

Do You Own Mutual Funds?

October 18, 2021

When to Incorporate

When to Incorporate

October 18, 2021

RRSP Withdrawals

Tax-Free RRSP Withdrawals

October 1, 2021

Inflation

Why Inflation is Killing Your Investment Returns

September 20, 2021

Farm Transition

What is fair?

September 7, 2021

Health Benefits Plan

Health Benefits Plan

August 31, 2021

Old Age Security

Don’t Lose Your O.A.S When Selling

August 31, 2021

Personal Care Homes

Personal Care Homes: The hidden cost

August 9, 2021

Use the Banks Money

Use the Bank’s Money

July 27, 2021

Is Being Low Risk, High Risk?

Is Being Low Risk, High Risk?

July 12, 2021

How to Tackle Inflation

How to Tackle Inflation

June 16, 2021

The Farm Transfer Tax Bill

The Farm Transfer Tax Bill

June 7, 2021

Easy Retirement Plan

Easy Retirement Plan

June 1, 2021

Die with Zero

May 25, 2021

Cancel Your Loan Insurance

Cancel Your Loan Insurance?

May 18, 2021

Should You Sell Your Home?

May 18, 2021

Invest Tax-Free

Invest Tax-Free: MTAR Account

May 4, 2021

Investing at Market Highs

April 27, 2021

Bitcoin

April 27, 2021

Should You Always Buy Low?

April 19, 2021

Farm Corporations & RRSPs (1)

Farm Corporations & RRSPs

March 29, 2021

Stock Market Corrections

How to deal with the next stock market correction?

March 23, 2021

Interview with Elaine Froese

Starting Your Farm Transition

March 11, 2021

Farmers and RRSPs

March 9, 2021

RRSP Tax Bomb

RRSP Tax Bomb

February 22, 2021

CGE Quirk

A Capital Gains Exemption Quirk

February 18, 2021

Reverse Mortgage

What is a reverse mortgage

February 15, 2021

Easiest Way to Reduce Your Tax Bill

The Easiest Way to Reduce Your Tax Bill

February 10, 2021

Gamestop: Explained

January 30, 2021

Are they all the same?

Financial Advisors: Are They All The Same?

January 26, 2021

Gifting the Farmland

Gifting the Farmland

January 25, 2021

Taking Care of Your Grandkids

Taking Care of Your Grandkids

January 18, 2021

Should I be Buying RRSPs

Should I Be Buying RRSPs?

January 11, 2021

Colin Blog Post - Beware of AMT

Beware of AMT

January 4, 2021

Colin Blog Post - Interview Does Your Spouse Qualify

Does Your Spouse Qualify?

December 23, 2020

Too much cash in the corp

Too Much Cash in Your Corp!

December 17, 2020

Tax Planning Strategies - Part 4

Tax Planning Strategies: Dealing with Capital Gains (Part 4)

December 13, 2020

Tax Planning Strategies - Part 3

Tax Planning Strategies: Tax-Loss Selling (Part 3)

December 8, 2020

Your First Investment Property

Your First Investment Property: Tips for Financing

December 4, 2020

Multiply your Capital Gains Exemption

Let’s Multiply Your Capital Gains Exemption

November 30, 2020

Tax Planning Strategies - Part 2

Tax Planning Strategies: 4 Strategies You Should Implement this Year (Part 2)

November 27, 2020

Tax Planning Strategies - Part 1

Tax Planning Strategies: 4 Strategies You Should Implement this Year (Part 1)

November 19, 2020

Trusts - How to keep your farmland in the family and save taxes (2)

Trusts – How to keep your farmland in the family and save taxes

November 10, 2020

Managing Your Portfolio in Retirement

Managing Your Portfolio in Retirement

November 2, 2020

Farm Retirement Planning – Option 1: Don’t Sell the Farm

October 29, 2020

US Election

US Elections – Should you make moves in your portfolio?

October 20, 2020

Retirement What You Need to Know

Retirement: What You Need to Know

October 6, 2020

Investment Ideas After You’ve Sold the Farm

September 21, 2020

Private Health Care Spending Accounts: How Can They Help Your Business?

September 10, 2020

The GIS Strategy How To Receive Tax-Free Income

The GIS Strategy: How To Receive Tax-Free Income

August 27, 2020

The Market Has Never Taken a Dollar from Anyone

August 19, 2020

Getting the Best of Both Worlds From Your Pension

Getting The Best Of Both Worlds From Your Pension

July 22, 2020

How Commuting Your Pension Allows You To Manipulate Your Income

How Commuting Your Pension Allows You To Manipulate Your Income

July 9, 2020

Selling The Farm? Keep an Eye on Your Tax Bracket

Selling The Farm? Keep an Eye on Your Tax Bracket

July 8, 2020

Understanding The Purposed CSSB Pension Changes

Understanding the Proposed CSSB Pension Changes

June 26, 2020

Why are markets going up?

Why are markets going up?

June 10, 2020

Significant Changes Being Proposed to CSSB Pension

Significant changes being proposed to the CSSB pension

May 28, 2020

Financial Advice for Manitoba Hydro Employees

Financial Advice for Manitoba Hydro Employees

May 4, 2020

A Simple Formula to Calculate What Is Fair

April 15, 2020

Approaching Retirement

Approaching Retirement: 5 things you need to look at

April 7, 2020

Down Market

The stock market is down, time to buy?

March 25, 2020

Is Farmland a Good Investment? Part 2

February 21, 2020

Is Farmland a Good Investment?

February 12, 2020

My uncensored opinion about RRSPs if you have a pension

September 26, 2019

How to gift wealth to your adult children

August 26, 2019

50 Investing Guidelines To Follow

August 13, 2019

Selling the Farm

Investing after you’ve sold the farm

July 5, 2019

Financial Advisor Winnipeg

How the news can negatively affect your portfolio

June 26, 2019

How to Properly Manage a Retirement Portfolio

How to properly manage a retirement portfolio

June 5, 2019

How to sell your business tax-free

How to sell your business tax-free

May 31, 2019

Early Retirement Package

Important considerations to make before accepting an early retirement package

May 14, 2019

Rate of Return

Why your rate of return isn’t as important as you think

May 3, 2019

Monthly Pension

5 Reasons you should keep your monthly pension

April 15, 2019

How to convert your health expenses into corporate expenses

April 5, 2019

What happens to pension

What happens when you withdraw your pension?

March 28, 2019

Winnipeg Financial Planning

Is life insurance an investment or expense?

March 19, 2019

Girl working Farm

Should I buy life insurance today or tomorrow?

February 13, 2019

5 Reasons Lump Sum Payout

Five reasons you should take your pension as a lump sum payout

January 28, 2019

How to supercharge your RRSP

How to supercharge your RRSP

January 2, 2019

When should you apply for your CPP?

When should you apply for your CPP?

December 17, 2018

How much do I need to save for retirement

How much do I need to save for retirement?

December 11, 2018

Start your succession planning with the basics

December 3, 2018

Why your RRSP should grow as little as possible

November 19, 2018

Retire with debt

Can I retire if I still have debt?

November 6, 2018

Selling Farmland

Can I actually sell my farmland tax-free?

November 5, 2018

Am I on Track to Retire

Am I on Track to Retire? – Video

October 30, 2018

RRSP Withdrawal

Get the most out of your retirement savings

October 18, 2018

Retirement with Farmland

Generating retirement income from your farmland

October 16, 2018

Retirement Timing

Timing your Retirement to Save Tax $$$

October 4, 2018

Life Insurance

Life Insurance – Why Millionaires are Buying as Much of it as Possible

August 13, 2018

Pension or Lump Sum

Pension or Lump Sum? How to Decide

June 26, 2018

Farm Planning

I Just Sold my Farm, Now What?

June 18, 2018

Paying for your child's education

Should I Help Pay for my Child’s University Education? (Part 3)

June 18, 2018

Education Planning

Should I Help Pay for my Child’s Education (Part 2)

June 6, 2018

Should I Help Pay for my Child’s Education? (Part 1)

May 29, 2018

Cottage Succession

Passing Down the Family Cottage

May 11, 2018

An Argument for Taking CPP Early

An Argument for Taking CPP Early

December 29, 2017

Taking Your CPP - Later

An Argument for Taking CPP Later

November 29, 2017