Advertise on podcast: The Canadian Money Roadmap

Comments or questions? Text us here In this episode, Evan interviews Adam Chapman about how annuities and guaranteed income sources can give Canadian retirees the confidence to spend freely in retirement by covering their essential expenses. Find Adam on LinkedIn Adam Chapman - YESMoney 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode, Evan and Sam address three common investor fears — expensive stock valuations, market concentration in big tech, and AI as a potential bubble — and explain how a diversified, evidence-based portfolio that tilts toward value stocks, small caps, and profitable companies across geographies can mitigate those concerns without needing to predict the future. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here Evan and Sam walk through the financial planning levers you can still pull when your retirement date is already locked in — covering withdrawal order and tax efficiency, CPP/OAS timing, TFSA strategy in retirement, portfolio risk and fees, budgeting for major purchases, reviewing insurance needs, and updating your will and power of attorney. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode, Evan and Sam walk through a financial planning case study for a fictitious 45-year-old couple with workplace pensions and a mortgage, showing how aggressively paying off debt and then redirecting that cash flow into TFSAs can fund major goals like travel, a home renovation, and a vehicle purchase while still ensuring a confident retirement. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode, Evan and Sam introduce a simple four-part framework — give, create, connect, and move — to help retirees build a fulfilling, purposeful lifestyle beyond just having enough money to stop working. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode, Evan and Sam recap their 100-day Savings Ladder Challenge  sharing what worked, what didn't, and the key lessons—automation beats willpower, hard pushes should be tied to specific goals, and accountability helps—while also discussing the surprising content-creation results from posting daily short-form videos. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here This week, financial planner Moira Rose joins the podcast to explain how group RESPs prey on new parents with predatory sales tactics, high fees, and rigid contracts that can cause families to lose thousands of dollars, arguing they offer no benefits over standard RESPs and should be avoided entirely. Follow Moira on Instagram: @moirarosefinancials📱 Check out Moira's RESP Course 📖 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode, Evan and Sam explore seven financial decisions—spending, savings rate, retirement timing, CPP/OAS timing, tax and account strategy, investor behavior, and stress-testing your plan—that matter more to your financial success than fine-tuning your investment portfolio. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here On this episode of the Canadian Money Roadmap, Evan and Sam reflect on their summer highlights and use them to walk through a four-step framework — awareness, priorities, feasibility, and a to-do list — for aligning your spending and time with what actually matters to you as you plan for retirement. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here On this episode, Evan and Sam explore whether retiring before age 65 makes sense, weighing the financial trade-offs (lost government benefits, tax credits, income splitting) against lifestyle factors like health, purpose, and how you want to spend your time. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here This episode walks through a practical framework—mandate, diversification, factor exposure, and cost—for evaluating whether an ETF or mutual fund actually deserves a place in your portfolio. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode of the Canadian Money Roadmap, Evan and Sam each draft 5 things they each believe are worth the money. Ranging from Toyota vehicles, paying off your credit cards, to a day at a Nordic spa, their selections spark conversations about how spending fits into financial plans.  📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here On this episode of the Canadian Money Roadmap, Evan and Sam argue that markets and life change too fast to predict, so financial success depends not on timing the market but on building a diversified, evidence-based plan focused on the variables you can actually control. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here In this episode of the Canadian Money Roadmap, Evan and Sam examine common examples of bad financial advice they've encountered online and with real clients — including chasing past returns, being pressured to commute a pension into a complex insurance product, and having locked-in investments (like labor-sponsored funds and GICs) placed in accounts where money is needed by a specific deadline. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet

Comments or questions? Text us here On this episode of the Canadian Money Roadmap, Evan walks through his semi-annual "full financial picture" review process — a simple spreadsheet exercise that tracks net worth, insurance, and estate planning documents — and explains how to use it as a starting point for couples to get on the same page about their finances. 📱 Book an intro call - Cedar Point Pathway retirement planning service 📝Retirement Readiness Scorecard - A free 5-minute scorecard that shows how ready you are for retirement and where you may still have gaps to address. 💰Get your money organized - Full Financial Picture Spreadsheet