Financial Independence Hub

Adobe Stock Image, courtesy CAAT Pension Plan By Anthony Damtsis Special to Financial Independence Hub Expectations of the future shape how we behave today, especially when it comes to planning for retirement. When people overestimate or underestimate where their retirement income will come from, it can affect how they save, how they plan, when they retire, and how financially secure they feel over time. That sounds simple enough. But retirement has a way of making simple things complicated.

Last thing I remember I was running for the door I had to find the passage back To the place I was before “Relax, ” said the night man “We are programmed to receive You can check out any time you like But you can never leave” Hotel California, by The Eagles By Noah Solomon Special to Financial Independence Hub I recently met with an acquaintance who does investment due diligence and manager research for a wealth management firm.

By Bob Lai, Tawcan Special to Financial Independence Hub On paper, Financial Independence Retire Early (FIRE) is a simple concept: spend less than you earn, grow your savings gap, optimize your taxes, invest your savings, and wait for your money to compound over time. To be more specific, if you’re on the FIRE journey with a partner, how do you make sure the two of you are aligned? After all, if you and your partner aren’t on the same page, none of it matters. For us, Mrs.

An organization called Generation Squeeze is calling for big cuts to Old Age Security (OAS). For some reason, these cuts are aimed exclusively at senior couples. Digging into the numbers, the proposal makes no sense. The stated goal of the proposed OAS changes is to free up government money for other priorities. Whether or not OAS is the right target for reducing government spending is a different discussion. The puzzling part of this proposal is having all the cuts apply to senior couples.

You did everything right for retirement in Canada. Then you started spending winters down south, and a different rulebook quietly took over. Royalty-free image courtesy TheNorthernOffice.ca By Alex Setzler Special to Financal Independence Hub Ask a Canadian snowbird how many days they can spend in the U.S. before things get complicated, and most give the same answer: 182. Stay under half the year and you’re fine. That number is comforting.

TSInetwork.ca Retirement planning is becoming more challenging for Canadians because they’re living longer and need larger retirement nest eggs. This often manifests itself in “pre-retirement financial stress syndrome.” That’s the malady that strikes when it dawns on you that you may not have enough money saved to be able to earn the retirement income stream you were banking on. To alleviate this worry, we recommend Successful Investors base their retirement planning on a sound financial plan.

By Dale Roberts, Retirement Club/cutthecrapinvesting Special to Financial Independence Hub It appears to be an overlooked part of retirement planning. While we should always invest within our risk tolerance level we should also match our investment portfolios to the retirement cash flow plan. The plan gives the marching orders for each account. If you create a portfolio-to-plan mismatch, you could increase the risk of depleting an account too soon.

TSInetwork.ca Dear Findependence Hub registered user Happy Independence Day to our American readers! As we noted in a blog sent out on Canada Day, Findependence Hub registered users are invited to watch a special webinar on investing in AI stocks produced by TSInetwork.ca and The Successful Investor’s Pat Mckeough, a long-time contributor of blogs to the site. The markets in 2025 were volatile, largely due to the implementation of U.S. tariffs.

Charles Schwab My latest MoneySense Retired Money column has just been published. You can find the whole column by clicking on the hyperlink here: Online Influencers Grow Up. When it comes to financial influencers, the popular term is  Finfluencer, a contraction similar to my own Findependence for Financial Independence. The column was inspired by an interesting gathering of Canadian finfluencers organized by BMO ETFs, which occurred in the first half of June.

Image courtesy of Hamilton ETFs By Hamilton ETFs (Sponsor Blog) If you want a diversified large-cap Canadian equity fund with the added benefit of earning passive income beyond dividends, our new ETF may just be the one-ticket solution for you. Introducing CMAX Launched in May 2026, the Hamilton Canadian Equity YIELD MAXIMIZER™ ETF (CMAX) provides broad exposure to the Canadian stock market, attractive tax-efficient monthly income, and modest growth potential.