📊 Master Your Retirement Plan in 45 Minutes
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⭐️⭐️ How Far Does $1 Million REALLY Go in Retirement (Canadian Edition)

If you've saved $1,000,000 for retirement in Canada - first off, congratulations! You're in the top 1% of savers. But here's the truth: how that money is structured, taxed, and withdrawn can make or break your retirement plan.

In this video, Portfolio Manager Rob Tétrault breaks down the exact investment blueprint he uses for high-net-worth Canadians retiring with $1M - including:

✅ The 4-bucket portfolio structure
✅ How to avoid RRIF/OAS tax traps
✅ Smart withdrawal sequencing for lifetime income
✅ Real examples of how couples can save thousands in taxes

Don't let poor planning eat into your hard-earned savings. Watch now to learn how to turn your $1M portfolio into a sustainable retirement engine.

Enjoy the video!

CHAPTERS:
00:00 - Why This Matters
01:21 - Mistake #1
02:27 - Mistake #2
04:56 - Mistake #3
05:58 - Real Example
06:59 - The Next Steps

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#RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

📊 Master Your Retirement Plan in 45 Minutes
Register now → https://bit.ly/2THZzNj

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⭐️⭐️ Most Canadians Miss THIS Retirement Threat (Hint: It's Not Inflation)

Most Canadians plan for taxes, inflation, and longevity - but there's a silent threat that can quietly destroy your retirement savings: sequence of return risk.

In this video, Rob Tétrault breaks down what it is, why it's so dangerous, and how to protect yourself from it. Learn practical strategies like the liquidity plan, bucket strategy, and flexible withdrawal planning, so your money lasts as long as you do.

Enjoy!

CHAPTERS:
00:00 - Intro
00:30 - Sequence of Returns Risk & Why It Matters So Much
03:07 - Strategy #1
04:35 - Strategy #2
06:31 - Strategy #3
07:43 - Strategy #4
09:05 - What To Do Next?

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#RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #Sequenceofreturn

📊 Master Your Retirement Plan in 45 Minutes
Register now → https://bit.ly/2THZzNj

🔔 Want personalized help with your retirement plan?
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⭐️⭐️ The 5 Biggest TFSA Mistakes Canadians KEEP Making

Most Canadians are using their TFSA wrong, and it's costing them thousands 💸
In this video, Portfolio Manager Rob Tétrault breaks down the 5 biggest TFSA mistakes that can quietly drain your retirement savings.

The Tax-Free Savings Account (TFSA) is one of the most powerful tools in Canadian retirement planning, but only if you use it properly.

After sitting down with thousands of Canadians, Rob Tétrault shares the most common TFSA mistakes that lead to unnecessary taxes, lost growth, and missed benefits.

In this video, you'll learn:
✅ Why CRA's outdated numbers cause over-contribution penalties
✅ The difference between a TFSA savings account and investment account
✅ How to pick the right investments for your TFSA
✅ The best way to integrate TFSA withdrawals into your retirement plan
✅ How one word on your paperwork could cost your family thousands

Don't let small TFSA mistakes cost you big in retirement. Watch now to see how to turn your TFSA into a tax-free income engine for life.

Enjoy the video!

CHAPTERS:
00:00 - Why This Matters
00:51 - Mistake #1
02:20 - Mistake #2
04:18 - Mistake #3
05:46 - Mistake #4
07:15 - Mistake #5
09:04 - The Next Steps

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#RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

📊 Master Your Retirement Plan in 45 Minutes
Register now → https://bit.ly/2THZzNj

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⭐️⭐️ What They DON'T Tell You About The 4% Rule... (And What To Do Instead)

The 4% Rule has been called the golden rule of retirement withdrawals for decades - but what if it no longer works in today's world?

In this video, I reveal what no one tells you about the 4% Rule, why it could fail your retirement, and the smarter strategies you can use instead.

We'll cover its origins, the risks of relying on it, flaws in a global and 2025 context, and why personalized planning is the real key.

Whether you're aiming for FIRE or traditional retirement, this episode gives you the tools to rethink your withdrawal strategy.

Enjoy!

CHAPTERS:
00:00 - Why This Is Important
00:56 - The 4% Rule's Popularity
01:58 - The Two Main Risks
03:47 - The Rule's Origin
05:00 - FIRE Movement & Early Retirement Issues
06:19 - Global Flaws
07:20 - EPS & Bond Yield Importance in 2025
09:15 - Retirement "Hack"
10:13 - Key Takeaways
11:26 - The Importance of Customized Planning

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#RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

📊 Master Your Retirement Plan in 45 Minutes
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⭐️⭐️ The BEST Time to Take CPP & OAS: Avoid Losing Thousands

When should you take CPP and OAS? The timing of your Canada Pension Plan and Old Age Security benefits can make a huge difference in how much money you keep in retirement.

In this video, Rob Tétrault breaks down real-life examples, some key tips, and shows how proper planning can save you thousands. Learn the strategies Canadians are using in 2025 to maximize CPP & OAS, avoid costly mistakes, and build a smarter retirement income plan.

Enjoy the video!

TIMELINE:
00:00 - Why This Is Important
00:37 - Clarifying CPP & OAS
02:09 - Blueprint to Timing Your CPP
04:34 - The OAS Clawback...
06:06 - Real Example
07:33 - If you want some advice...

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#RetirementPlanning #OASClawback #CPP #WealthManagement #OAS #CanadianInvesting #Retiring #Investing

📊 Master Your Retirement Plan in 45 Minutes
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⭐️⭐️ Where to Pull Money From FIRST in Retirement (The 5-Step Withdrawal Blueprint)

Deciding where to pull money from first in retirement can save you thousands in taxes and make your savings last longer.

In this video, I break down the 5-step Canadian retirement withdrawal blueprint so you'll know when to take from your RRSP, TFSA, or non-registered accounts - and why the order matters for tax efficiency and long-term growth.

Enjoy!

TIMELINE:
00:00 - Why Is This Important?
02:15 - The 5 Step Withdrawal Framework
02:31 - Step 1
03:12 - Step 2
04:09 - Step 3
04:46 - Step 4
05:26 - Step 5
06:14 - Real Example!
07:18 - Have Any Questions About Your Situation?

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#RetirementPlanning #OASClawback #CPP #RRSP #RRSPMeltdown #CanadianInvesting

📊 Master Your Retirement Plan in 45 Minutes
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⭐️⭐️ RRSP Meltdown 101: The 3 Strategies EVERY Canadian Needs to Know

Are you approaching retirement or wondering how to withdraw from your RRSP without handing half to the CRA?

In this video, Rob Tétrault breaks down 3 proven RRSP meltdown strategies that smart Canadians are using to reduce taxes and boost retirement income.

You'll learn:
✅ How to withdraw RRSP funds in low-income years
✅ The power of delaying CPP & OAS
✅ "Loan shuffling" and how it fits into your withdrawal plan

Whether you're 5 years from retirement or already there — this guide could help you keep more of your money in your pocket.

TIMELINE:
00:00 - Why Does This Matter?
01:10 - Canada's Tax Landscape
03:43 - Strategy #1
05:42 - Strategy #2
09:16 - Strategy #3
11:59 - Real Example & Scenarios
14:41 - Recap

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#RetirementPlanning #OASClawback #CPP #RRSP #RRSPMeltdown #CanadianInvesting

📊 Master Your Retirement Plan in 45 Minutes
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💸 Most Canadians spend decades saving for retirement…

But a few avoidable mistakes could ruin it all - including triggering the OAS Clawback, missing key tax opportunities, or drawing from the wrong accounts at the wrong time.

In this video, Rob breaks down the Top 5 Retirement Planning Mistakes and shows you exactly how to avoid them - with real strategies, clear examples, and practical advice any Canadian retiree (or soon-to-be) can use.

Timestamps:
00:00 - Why This Is Important!
00:48 - Mistake #1: No Tax Plan
01:59 - Mistake #2: Bad Withdrawal Order
03:03 - Mistake #3: Too Conservative (Too Much Cash)
04:35 - Mistake #4: No "What If" Plan
05:27 - Mistake #5: No Exit Strategy
06:12 - Retirement Planning Masterclass

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#RetirementPlanning #OASClawback #CPP #CanadianInvesting