21 Years Of Brutally Honest Canadian Retirement Advice in 14 Mins

21 Years Of Brutally Honest Canadian Retirement Advice in 14 Mins Work with me: https://miro-svoboda.showrunner.one/r... After 21 years of helping Canadians navigate retirement, I've seen the same challenges, opportunities, and financial decisions come up again and again. In this video, I share canadian retirement advice that can help you avoid costly mistakes and build a more confident future. Whether you're just starting retirement planning canada or already approaching retirement, these lessons can help you make better decisions with your money. I discuss some of the most common canadian retirement mistakes, including retiring too late and failing to make the most of your active retirement years. I also explore the financial impact of supporting adult children retirement, and why balancing generosity with long-term security is so important. You'll learn how the 4 percent rule canada may apply to your retirement strategy, along with important considerations around cpp oas withdrawal, rrif minimum withdrawal, and avoiding unnecessary oas clawback. Understanding these rules can have a major impact on your retirement income and tax efficiency. I also cover advanced planning topics such as rrif tax at death, deemed disposition canada, and the potential benefits of an rrsp meltdown strategy. These strategies can help reduce taxes and preserve more wealth for you and your family. For many Canadians, the home as retirement asset plays a significant role in financial planning. I discuss whether downsizing retirement makes sense and how housing decisions fit into a broader retirement income plan. Retirement isn't only about saving money—it's also about learning permission to spend retirement savings with confidence. I explain why many retirees struggle to enjoy their wealth and how thoughtful planning can support a more fulfilling retirement lifestyle. You'll also hear insights often discussed with a fee only financial planner, including the importance of a spouse retirement conversation, planning for canadian retirement taxes, and creating a sustainable retirement income plan that aligns with your goals. If you're looking for practical canadian retirement advice, want to avoid common canadian retirement mistakes, and improve your retirement planning canada strategy, this video brings together key lessons that can help you retire with greater confidence and clarity. #retirement #retirementplanning #retirementcanada ----- I’m Miro Svoboda, Co-Founder of Sonora Wealth Group, a branch of Harbourfront Wealth Management. I help Canadians understand the key concepts and strategies needed to build long-term financial well-being. Over the years, I’ve presented at 300+ private and corporate events and have been featured on multiple podcasts. My focus is on defensive portfolio construction, tax-efficient investing, and estate planning, helping you protect and grow your wealth with confidence. I hold the CIM, CFP, and FCSI designations and am committed to providing clear, practical financial guidance you can actually use. ---- Disclaimer: The views and opinions expressed on social media pages are those of the author and do not necessarily reflect the views of Harbourfront. While every effort has been made to ensure the information shared is accurate and current, no representation or warranty, express or implied, is made as to its completeness or correctness. This content is provided for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security. Past performance is not indicative of future results. We accept no liability for any loss or damage arising from reliance on the information contained herein. Please consult with a qualified investment professional before making any financial decisions. Privacy & Security Notice: Social media networks are not affiliated with Harbourfront, and Harbourfront is not responsible for the privacy or security policies of these platforms. For details on how your information is handled, please review the privacy and security information provided by the respective social media site. Harbourfront Wealth Management Inc. is not responsible for any advertisements, recommendations, or other content displayed by third-party social media platforms.