Ah, retirement! Finally, we can live exactly the way we want to. In my case, that’s learning to cook international cuisines, dancing with Javier Bardem on a beach in Bali, and relaxing in a Muskoka chair surrounded by our beautiful, multicultural grandchildren.

I encourage my clients to dream of their ideal retirement as well as planning for what is inevitably an unsettling experience— going from a steady pay-cheque to drawing upon savings to cover expenses. Few people have reliable and inflation-adjusted employer pensions any more. Fewer still, have sufficient investment portfolios to produce enough income to live on. The reality is we’re all concerned about outliving our money and this can— and often does—prevent us from fulfilling our retirement dreams.


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