Your Retirement Planning Simplified

You sign your will, feel a wave of relief, and put it in the drawer. Done, handled, the kids are taken care of. But a will mostly records what you decided. It does not explain why. And if your children have never heard...

More than half of Canadians say they are afraid of making the wrong financial decision, and half say they have lost sleep over money. Your first instinct is probably that this is about people who do not have enough. But...

If something happened to you tomorrow, do you know who would actually receive each of your accounts? Not who you think it is - but who is actually named on the paperwork right now. For a lot of people, the honest answer...

In almost every episode of this series, the money was actually fine. The math worked. So what held people back? In this wrap-up episode, Joe names the thing that sits underneath the numbers, and explains why the final...

The go-go years are real. But does that mean you should spend everything early and hope for the best? Not quite. In this episode, Joe adds the honest counterweight to the last few weeks of conversation, because building...

Two people can have the exact same amount of money and the exact same retirement, and one spends comfortably while the other can barely bring themselves to touch it. A big part of what separates them comes down to where...

If the best years of retirement are front-loaded, why do most retirement income plans hand you the same inflation-adjusted number every single year for 30 years? It doesn't match how anyone actually lives. In this...

"One more year." It sounds responsible. But after a lot of these conversations, Joe has come to believe it usually has very little to do with money. In this episode, he pulls this apart and explains why the timing of...

Most people worry about running out of money in retirement. But for many careful savers, the bigger risk is the opposite: reaching the end of life having never spent what you worked so hard to build. In this episode...

For Episode 200, Joe pulls back the curtain on how Matthews and Associates actually works with clients, and more importantly, why they built their process the way they did. If you've ever felt nervous about talking to a...

You saved carefully for decades, but what if that same caution is quietly costing you your best years in retirement? Many Canadians retire with more than enough and still can't bring themselves to spend it. In this...

Most people treat the Old Age Security (OAS) clawback like a cliff you fall off the moment your income crosses the line. It isn't. In this episode we reframe the clawback as one number among many, and look at when...

In this episode of Your Retirement Planning Simplified, Joe Curry explains the real value of a one-time retirement plan and why retirement planning should never be viewed as a one-and-done exercise. Learn how retirement...

What should Canadians do when they turn 60 and start thinking seriously about retirement? In this episode, Joe Curry walks through the exact retirement income planning framework he would use if he were turning 60 today...

In this episode of Your Retirement Planning Simplified , Joe Curry explains how pension income splitting works in Canada and why it can be one of the most effective tax-saving strategies for retirees. Learn how RRIF...