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Articles - The Financial Post
May 9, 2022
Studying the market pays off for savvy couple with 12% gains and 'bulletproof retirement strategy
Leo and Rose have spent many years studying capital markets and have achieved an astonishing 12.4 per cent average growth rate with investments, almost entirely in North American stocks they have researched and follow closely.
Apr 8, 2022
This Ontario woman should use her cash to get her mortgage under control heading into retirement
Ella is worried about the impact of interest rate increases on her mortgage payments
Mar 25, 2022
Commuting her pension could let this Ottawa civil servant have her cake and eat it, too. But is it worth the risk?
Lucille wants to retire next year, at age 49, and she is considering taking the commuted value of her pension.
Mar 4, 2022
This Ontario woman may need to downsize, work part-time to meet her retirement goals
The first step for Amy is to improve her tax efficiency, expert says
Feb 22, 2022
This Ontario woman should shed real estate and debt to meet her retirement income goal
Her goal is $60,000 after tax, which in Ontario would require $75,000 in pre-tax income. This plan will help her get there
Feb 11, 2022
This B.C. couple should ditch their $1-million rental and invest in dividend stocks to boost retirement cash flow
They will take in nearly four times the property’s current income a year if they sell and invest the proceeds in dividend stocks
Jan 28, 2022
This thirtysomething couple with $390,000 in net worth has decades to save
Far from retirement at what they think might be age 60, they need to include a lot of wiggle room in their financial plan
Jan 21, 2022
Spectre of inflation adds to early retirement risk for this young B.C. couple
A couple we’ll call Tom and Charlene, both 40, live in B.C. with their seven-year-old son Sam. They bring home $13,179 per month from their jobs in high tech plus additional income from a rental property.
Dec 30, 2021
Pensions and cash from a cottage sale put this Ontario couple's retirement on solid ground
They will far exceed their goals and expectations,' expert says
Dec 10, 2021
This Ontario couple wants to retire in Greece, but would be wise to take the move slowly
The move would be practical as some costs of living are low in Greece, but complex given differences in tax systems
Nov 29, 2021
Job risk and illness complicate this Alberta couple's retirement outlook
Larry and Jessica have no choice but to accept the process of reduced global dependence on oil, but they have the resources to retire with financial security
Oct 26, 2021
This couple is so meticulous in their planning, they're even thinking about their cats' future
Their frugal ways will protect their financial future,' expert says
Oct 15, 2021
B.C. couple considers commuting their pensions, but managing money comes with big risks
Rather than commute pensions, they could close the gap by spending some of their $256,000 in RRSPs
Oct 1, 2021
Move to Calgary would cut this frugal Yukon couple's expenses even further in retirement
Two-defined benefit pensions, no debt and savings add to their security
Sep 20, 2021
This Ontario couple has nearly $4 million in assets, but the real-estate heavy mix needs to change
They have four rentals, with a present value of $2.29 million, yielding a 3 per cent return. Sell the rentals, expert advises
Sep 13, 2021
This Alberta couple wants a bigger house — but will they have to sacrifice their retirement to get it?
Couple would have to draw on savings for the move up, but their retirement would be amply supported by pensions
Aug 16, 2021
For this Ontario woman, family considerations may tilt the balance of important financial decisions
If Ravenna continues to reject equity returns and keeps her savings in low-yield bank deposits, her future will be bleak. But, adding to her equity investments would provide liquidity and asset growth
Jul 23, 2021
B.C. couple want to leave a $2-million legacy to their daughter, but they need to get retirement finances sorted first
Their portfolio of many investment funds and real estate adds complexity and management risk to their expectations
Jul 15, 2021
Husband lost job, wife eager to retire: How this one-income couple can say goodbye to the grind
Their problem is not adequacy of retirement resources. Rather, it is bridging the time to when their pension benefits begin.
Jul 2, 2021
This B.C. woman with $5.8 million in assets can lock in a lavish retirement — if she sells her home
A woman we’ll call Lucy, 68, lives in B.C. Retired, she had $90,680 gross income in 2020 and $5,735,700 in total assets...
Jun 18, 2021
This Ontario woman is asset rich, but needs more income to weather a long retirement
A family history of longevity has Sylvia fearing she will spend her assets too quickly and run out of money in late life
May 31, 2021
Buying a home is better than renting for this Saskatchewan woman and her dog, Fred
Buying a home is better than renting for this Saskatchewan woman and her dog, Fred
May 20, 2021
This Ontario woman needs to shed her unproductive Montreal rental and invest for retirement
Judy’s portfolio is heavy on real estate and light on financial assets
May 14, 2021
A military pension provides bulletproof financial security for Ontario couple
Couple will exceed retirement target of $100,000 a year, but first they have to untangle all their pensions
Apr 20, 2021
Putting their $580,000 in cash to work is key to this Alberta couple's retirement
Because they have no debts, they can accumulate more savings, which can bloom as productive investments
Apr 9, 2021
This Alberta couple wants to spend on some big ticket items — can they retire now or should they wait?
They're flush with savings, but will need to boost income to cover the $95,000 they want to spend on a reno, wedding gifts and a new car.
Apr 7, 2021
COVID-19 crunched this family's finances, but solid savings and a pension will see them through
Chris and Adele will be able to stretch their income to buy a $300,000 condo in Portugal, too
Mar 26, 2021
B.C. couple has done everything right financially, but these tweaks will make retirement even more comfortable
They've built up $422,000 in savings and cash, but they can still boost savings and open TFSAs
Mar 19, 2021
Smart saving has this couple who came to Canada 30 years ago headed for a sound retirement
Tax and investment strategies could raise their retirement security even further
Mar 1, 2021
Taking the nearly $700K commuted value of his pension could boost this former teacher's retirement options
It means more investment risk, but it also means flexibility and the potential for greater income
Feb 22, 2019
This Five-Star Retirement Plan Comes with a $100,000 Home Renovation and Lots Left Over for Peace of Mind
Derek Moran RFP of Smarter Financial Planning Ltd., discusses home renovations incorporated into retirement plans.
Feb 22, 2019
Woman Juggling $500,000 in Debts, Less than $200,000 Net Worth Fears She's Doomed to Bleak Retirement
Derek Moran RFP, Smarter Financial Planning Ltd., discusses managing retirement despite large debt.
Feb 22, 2019
A Divorce Behind Him and No Company Pension, 50-Something Father has to Finance Own Retirement
Derek Moran RFP of Smarter Financial Planning Ltd., discusses a divorced man plans for self funded retirement.
Feb 22, 2019
With $2.8 Million in Assets, Biggest Question Surrounding this Couple's Retirement is When can it Start
Derek Moran RFP of Smerter Financial Planning discusses when this couple with ample assets can begin retirement
Feb 22, 2019
Living Dangerously: 36-year-old Hopes High-Risk Job Pays Off in Early Retirement
Derek Moran discusses Jack's remaining in a dangerous job to obtain early retirement.
Feb 21, 2019
Urgent Cost Cutting Needed to Keep Family with Net Worth of Only $139,791 Afloat as Retirement Nears
Derek Moran RFP Smarter Financial Planning Ltd., discusses cost cutting.
Feb 21, 2019
This Ontario Couple is Riding Rental Cash Flow to a Five-Star Retirement
Derek Moran discusses incorporating rental cash into retirement planning.
Feb 21, 2019
With Six-Figure Income and Growing Savings, this Couple Still Worries Their Future is Bleak
Derek Moran RFP Smarter Financial Planning discusses challenges for retirement despite a six figure income
Feb 21, 2019
‘A lifetime of Careful Planning’ Means Couple with Medical Issues Still on Track for Solid Retirement
Derek Moran RFP discusses careful planning for staying on track for retirement.
Feb 21, 2019
The 'Bulletproof' Retirement Plan: Why this Alberta Man can Stop Worrying About Losing his Job
Derek Moran of smarter Financial Planning discusses retirement with this Albertan worker.
Apr 15, 2018
Holding Off on CPP the Key
Derek Moran, RFP of Smarter Financial Planning LTD., discusses a plan of holding off on CPP payments to improve a retirement plan.
Apr 15, 2018
After Losing Everything in Fort McMurray Fires, Engineer Mulls His Readiness to Retire — Maybe to Far North
Derek Moran discusses retirement plan with a Fort McMurray fire victim in The Financial Post.
Apr 15, 2018
In Mid-60s and Mired in Debt, Couple Needs Balance-Sheet Fix
Derek Moran discusses working longer in life to enable retirement plans.
Apr 15, 2018
‘It's a Real Crapshoot’: Woman with Serious Illness Needs a Financial Plan for the Best — and Worst — of Outcomes
Derek Moran discusses a financial plan with a woman suffering from a serious illness preparing for all possible outcomes.
Apr 15, 2018
'A Case of Career Interrupted': Hit with a Layoff, Couple's Reno Plans and Travel Dreams Looking Iffy
Derek Moran RFP discusses a couple that lives below their means, enabling them to weather the storm of a job loss in their retirement strategy.
Apr 15, 2018
Trade-Offs Abound as Woman Must Raise Funds to Pay Down Mortgage
Derek Moran discusses RRSP withdrawals and paying down a mortgage to build a portfolio.
Apr 15, 2018
Retirement Plan Adds Up for this Single B.C. Woman, but New House not Part of the Equation
Derek Moran discusses if this townhouse owner can upgrade to a detached home and still have a solid plan for retirement.
Apr 15, 2018
Harvesting Cash From Rental Properties, Small Business, Key to B.C. Pair's Five-Year Plan
Derek Moran discusses harvesting cash from rental properties while assisting this couple to meet retirement goals.
Apr 15, 2018
When You have Eight Kids, Can You Ever Retire? This Couple Can — and Before 65, Too
Derek Moran, Kelowna financial Planner, discusses retiring while still raising kids at home.
Apr 15, 2018
Couple with Solid Incomes, Pensions Need to Clear Out Debt if They Want to Retire at 59
Derek Moran RFP of Smarter Financial Planning Ltd., Kelowna BC discusses clearing debt for this couples plan to retire by age 59.
Smarter Financial Planning Ltd .
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