Retirement Planning

November 25, 2019

Is it my turn to Retire? – Part ll

I was talking with a buddy last week who was having a crappy time at work.  Recent changes in the office has him working with new […]
September 30, 2019

You Can’t Out-invest a Savings Problem

The thing I love most about Toronto is the traffic.  Second on my list is the cost of parking.  Oh wait, my list was upside down, […]
September 17, 2019

BC Pension Funding Consultation – Why can’t we all get along?

Last month, while many of us were on vacation, the British Columbia government continued their consultations on their pension funding framework by publishing a report from […]
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 […]
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 […]