The Canadian Retirement "Magic Number" Doesn't Exist

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Most Canadians have a retirement number in mind — a dollar amount they’ve been told they “need” before they can stop working. Maybe it’s $1 million. Maybe it’s $2 million. But what most people don’t realize is that hitting that number doesn’t automatically mean financial freedom, security, or peace of mind.

In this video, I explain why your retirement success has far less to do with the size of your portfolio and far more to do with how your income is structured. I walk through why two retirees with the exact same savings can experience completely different outcomes — depending on how they draw income, how much tax they pay, and how they coordinate CPP, OAS, and registered accounts.

You’ll learn the three numbers that actually matter in retirement: your after-tax income, your guaranteed income floor, and your tax diversification. We’ll also talk about common emotional traps that cause Canadians to delay retirement longer than necessary — or underspend out of fear even when the plan supports a comfortable lifestyle.

If you’re approaching retirement and want clarity beyond generic calculators and headlines, this video will help you rethink what “enough” really means. And if you’d like a personalized strategy to turn your savings into sustainable, tax-efficient income you can rely on, book a time with me using the link above.








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