The Retire Ready Podcast

The Retire Ready Podcast

Helping Canadians prepare for all that retirement brings

Episodes

October 15, 2025 20 mins

In this episode with talk with former financial advisor, author, and speakerCarl Richards to discuss his upcoming book release, Your Money. Carl describes YourMoney as being "not a personal finance book but a conversation grenade." The book includes 101 ...

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This episode is about unlocking your pension plan or Locked-In Retirement Account /LIRA when you're nearing or ready for retirement. These accounts are governed by different rules depending on whether they fall under federal or provincial legislation. Th...

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November 15, 2024 8 mins

In this episode we talk about what happens to pensions when you leave your employer or you decide to take the commuted value out. Whether that means you quit a job or even if you've retired, when you move your pension plan it will like end up in a Locked-In Retirement Accounts or LIRA. 

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October 15, 2024 9 mins

Today, we're going to switch things up and discuss the income side of registered accounts. That is, how do I spend the money I've saved for retirement, and more so in the context of the money we've saved through the Registered Retirement Savings Plan, or RRSP. We'll cover the ins and outs of the Registered Retirement Income Fund or RRIF: withdrawal minimums, when and how you can access them, investment options, and estate planning.

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In this episode we're going to answer the big question many Canadian retirement investors have: should I invest through the RRSP or the TFSA. Both have their pros and cons. So we're going to explore those today and talk about which option is the best for which situation.

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In this episode we're going to continue talking about the different accounts available for retirement savers. Last time we discussed the ins and outs of the RRSP, so today we'll discuss an often misunderstood account, the Tax Free Savings Account or TFSA.

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July 15, 2024 16 mins

In today's episode today we talk about an often misunderstood account, but likely one that is the best option available to save for retirement. that being the RRSP. We dig in as to why this account is a must for every Canadian wanting to retire, discuss what the account is, who can contribute, how much you can contribute, what investment options are available, some of the strategies that can build up your retirement savings and a f...

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In this episode we're joined by Dr. Preet Banerjee to discuss his recent doctoral thesis that sheds light on the value of financial advice

Links and resources from today's episode:

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In today's episode is part 4 of a 4-part series on financial advice and what to look for in an advisor.  Today we're going to answer your questions. A big thanks to those who have shared their questions with me, you can as well if you have any suggestions for topics or guest speakers for the podc...

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April 15, 2024 18 mins

4. Advisor Fees

In this episode we discuss what options are out there, what is a fair or reasonable fee to pay your advisor, and which of the options makes the most sense for you.

Links from today's episode:

Financial Planning Association of Canada (FPAC) Pro Bono Directory: https://www.fpas...

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3. The Alphabet Soup of Advisor Titles & Designations

 

In this episode we talk about the titles and designations/certifications that advisors use and which ones should matter to you on your search for a real financial planner/advisor.

Links from today's episode: 

IIROC Understanding Certifications:  https://www.iiroc.ca/investors/learning-basics-and-protect...

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February 15, 2024 17 mins

Welcome to Episode 2 of the Retire Ready Podcast.

 

In this episode we talk about if you need a financial advisor/planner, what value and advisor brings, the difference a real financial advisor/planner makers. 

You can find all episode, show notes, and more information by clicking here: https://retirereadypodcast.com

Links from today's ...

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January 1, 2024 7 mins

Welcome to Episode 1 of the Retire Ready Podcast. In today's inaugural episode we introduce you to our host, Scott Sather, talk about why we've started the podcastwho this podcast is for, and why you should listen in & hopefully subscribe. We also talk briefly about what a Fiduciary is and why it should be important to you.

You can find...

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