Blog

August 30, 2019

New Thinking – The Merits of Postponed Retirement

My Dad retired in his late 50s when I was still in high school.  For the 18 years he enjoyed his retirement he always said that […]
August 20, 2019

Game Changer – 21st Century Funding of DB promises

A new set of rules for funding defined benefit pension plans is emerging in Canada.  I think we need to be honest about what we want […]
August 6, 2019

Pension Fund Investment – Is Bigger Always Better?

Dean’s recent commentary on Apollo 11 and Target Benefit Plans started me thinking about my mission in the pension industry.  Although I couldn’t see it clearly […]
July 22, 2019

Apollo 11: The Power of a Clearly Defined Goal

This past week marks the 50th anniversary of the Apollo 11 mission, the spaceflight that first landed humans on the Moon, and fulfilled the goal laid […]
July 9, 2019

FSRA Examinations – Keep Calm and Carry On

Several of our clients have had the pleasure of being ‘audited’ by the Financial Services Commission of Ontario (“FSCO” – now renamed the Financial Services Regulatory […]
June 24, 2019

2019 CAP Member Survey

Each year Benefits Canada surveys members of Capital Accumulation Plans to monitor trends and the overall success of these programs.  As we migrate to a world […]
June 11, 2019

G19 – Who has something to hide?

Please forgive yourself if you don’t know what G19 is (was).  It was a guideline published by the Canadian Life and Health Insurance Association regarding Compensation […]
May 29, 2019

The Wonders of Variable Payment Life Annuities

I figured that since Joe has been writing a lot about DC plans and annuities lately, and earlier Dean provided his commentary on the recent Federal […]
May 13, 2019

Annuity Alternatives for DC Plans

In my last commentary I wrote about the advantage that DB pension plans have in providing for higher pension payments to retirees from accumulated assets than […]
April 30, 2019

Annuities and the DB Plan Advantage

Marvel Comics introduces Annuity Woman! I have written about annuities before and my admiration for the super powers of the annuity in risk management.  There is […]
April 15, 2019

At What Age Are You Old?

I sure am tired of hearing that age 50 is the new age 40.  But the expression has an important underlying meaning.  The expression referring to […]
March 26, 2019

The 2019 Federal Budget – New Policy Initiatives Could Provide Canadians With More Flexibility

The 2019 Federal Budget that was released last week includes a few proposals that could dramatically change the landscape for retirement savings in Canada.  With the […]