Blog

In “Canada’s Debt Crisis,” featured on Vision TV’s theZoomer for Vision TV, the episode examines rising levels of government and household debt in Canada and the broader economic risks linked to interest rates, inflation, and long-term fiscal sustainability. Marlene Buxton appears as an expert guest, contributing commentary on retirement and financial planning within the context of debt pressures, including how ... read more.

In “Delaying Your Canada Pension Plan Benefits Until Age 70 Can Make a Big Difference” for Zoomer Magazine, the article explores how delaying CPP benefits can significantly increase guaranteed retirement income and improve long-term financial security. Marlene Buxton contributes expert commentary on the strategic considerations behind delaying CPP, including longevity planning, retirement cash flow, and balancing government benefits with personal ... read more.

How important is your retirement income plan? It is paramount.  A retirement income plan is not just a projection of numbers showing you are okay to retire. Many investment advisors can look at your portfolio, know roughly what you live on now, and do a projection to see if you have enough for retirement or if you need to save ... read more.

As a retirement income specialist, I see many instances of people not fully understanding the OAS benefits available and missing out on benefits they are entitled to. The Old Age Security benefit (OAS) is for Canadians age 65 and older. It is based on residency in Canada. OAS is a lifetime pension indexed to inflation that is not based on ... read more.

In “Thinking about taking CPP early to avoid selling stocks at a loss?” for The Globe and Mail, the article examines whether retirees should draw Canada Pension Plan benefits earlier than planned during market downturns in order to avoid selling investments at depressed prices. Marlene Buxton contributes expert insight on retirement income planning and the importance of balancing cash flow ... read more.

In “Many new retirees fear outliving their money. The trade war is making it worse,” by Tim Kiladze for The Globe and Mail, the article looks at how market volatility and geopolitical uncertainty are intensifying retirees’ concerns about outliving their savings and how these pressures are shaping withdrawal and investment decisions in retirement. Marlene Buxton contributes expert commentary on retirement ... read more.

In “How cash flow planning in retirement offers control and makes life more fun” for The Globe and Mail (Globe Advisor section), the article focuses on how structured retirement cash flow planning helps retirees move from uncertainty about spending to having clearer control over income, budgeting, and long-term financial decisions. It highlights how planning withdrawals and aligning income sources can ... read more.

In “How to diversify retirement income in case a DB pension plan is at risk” for The Globe and Mail (Globe Advisor), the article examines how retirees who depend on defined-benefit (DB) pension income can reduce vulnerability by building additional income streams outside their pension. It focuses on how diversification across investments, registered accounts, and other income sources can help ... read more.

The article “Retiring? Here’s how to switch from saving for your golden years to spending” by Ritika Dubey posted on the Financial Post and the Canadian Press News explores the psychological and financial shift from saving for retirement to spending in retirement. It highlights the importance of creating a structured retirement income plan, understanding long-term cash flow needs, and managing ... read more.

In “Why downsizing your home in retirement may not be as simple as you think,” by Matthew Halliday for The Globe and Mail, the article explores the financial, emotional, and logistical complexities retirees face when considering downsizing their homes, including housing market realities, lifestyle changes, and long-term retirement planning. Marlene Buxton contributes expert insight on how downsizing decisions fit into ... read more.