Retirement planning

信心与清晰退休

由王羽恬(CEA、CLU®)撰写的 RRSP 策略、CPP 和 OAS 时机实用指南, 及退休收入规划,让您按自己的方式退休 — written by 王羽恬, CEA, CLU®.

8 articles 5–8 分鐘閱读s By 王羽恬, CEA, CLU®
🕐 退休规划 📈 投资规划 🛡️ 保险 🏛️ 遗产规划 🏢 企业方案 💡 税务策略
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01
退休规划基础

在加拿大舒適退休,您真正需要多少錢?

「70%法則」广为人知——但并不適用於每个人。 Carrie breaks down how to calculate your personal retirement income target, what to expect from CPP and OAS, and how to close the gap with your own savings.

王羽恬, CLU®
8 分鐘閱读
Retirement planning
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所有退休规划文章

CPP & OAS

何时应开始领取CPP?答案可能令您驚訝

Starting at 60 vs 70 could mean hundreds of thousands of dollars difference over your lifetime. Here's how to decide.

RRSP Strategy

RRSP 与 TFSA:40至50岁时应优先选擇哪个?

Understanding when each account wins — and how to use both together to minimize lifetime tax and maximize retirement income.

Income planning

RRSP 提款陷阱——如何避免退休时面臨巨額税单

Many Canadians don't realize how heavily RRSP withdrawals are taxed. Here's how to plan smarter before and after you retire.

Longevity planning

比錢长寿——如何让您的储蓄维持30年以上

With Canadians living longer than ever, your plan needs to account for a much longer retirement horizon than most people expect.

Pension

您知道您的退休金实际上值多少嗎? A guide to pension review

Most Canadians with workplace pensions don't fully understand what they'll receive — or how it integrates with CPP, OAS, and RRSP income.

CPP & OAS

OAS 詳解——您将获得多少、何时获得,以及如何避免收回机制

Old Age Security is available to most Canadians at 65, but there are important rules around income thresholds, timing, and deferral benefits worth knowing.

Healthcare

大多数加拿大人忽视的退休费用 — ——医疗保健与长期护理

Drug plans, dental, vision, and long-term care costs rise significantly with age. Here's how to build these into your retirement budget proactively.

想要个人化的退休收入预測嗎?

王羽恬将为您的具体情况进行计算——完全免费且無任何义务。

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