Unpacked & Empowered Podcast by Marianne Agudo31 Elo

What To Do When You're 10 Years From Retirement (Canadian Guide)

You're picking a retirement number from thin air. Here's why that's a problem.

Most Canadians decide they need "$1 million" or "$1.5 million" to retire without ever doing the math.

In this conversation, Greg Keith (Certified Financial Planner) breaks down the psychology behind anchoring to wrong numbers, and what actually matters when you're approaching retirement.

In this episode, you'll learn:

1. Why picking a random retirement number is costing you clarity (and maybe your peace of mind)

2. What "sequence of returns" means and why it matters more than most advisors admit

3. How to stress-test YOUR retirement plan for market downturns

4. The real conversation around CPP timing (it's not as simple as "take it at 60")

5. Pension decisions: commute it or keep it? (spoiler: there's no one-size-fits-all answer)

6. Why retirees are afraid to spend money (and what to do about it)

7. How to spot financial advice that doesn't apply to you (looking at you, US influencers)

ABOUT GREG KEITH

Greg Keith is a Certified Financial Planner who specializes in helping Canadians 10+ years away from retirement consolidate scattered accounts and build comprehensive financial plans. His focus: decision architecture, not just investment returns. You can find him at gregkeithcfp.ca or on LinkedIn.

ABOUT MARIANNE AGUDO

I'm a Financial Security Advisor and mom helping newcomer families and young Canadian parents build financial confidence and lasting security.

After my father passed without life insurance, my mother raised five children alone. That experience shaped everything: I believe financial protection is an act of love, not fear.

Through Unpacked & Empowered Finances, I'm building a community where families understand their wealth, organize their future, and break cycles of financial anxiety.

My mission: Help you move from financial overwhelm to empowered decision-making one conversation at a time.

This episode is educational only and does not constitute financial, legal, tax, or investment advice. Greg and I discuss general principles applicable to Canadian retirement planning.

Your individual situation may differ. Before making any financial decisions, consult with a qualified professional who understands your specific circumstances. Past performance does not guarantee future results. #canadianretirement #retirementplanning #cpp #pensions #financialplanning #behavioralfinance #familymoney #financialsecurity #canada2026 #moneymindset #wealthbuilding

Tämä jakso on lisätty Podme-palveluun avoimen RSS-syötteen kautta eikä se ole Podmen omaa tuotantoa. Siksi jakso saattaa sisältää mainontaa.

Jaksot(45)

EP 32: You Know What to Do. So Why Aren't You Doing It? The Identity Gap Explained

You know exactly what you need to do financially. You've read the articles. You understand the strategy. But something keeps you from actually doing it. In this episode, I sit down with Myles Daniel, ...

24 Syys 32min

EP 31: What Will Your Retirement Really Look Like? The Things You Can Control

What do you actually want your retirement to look like? For me, it's not just about having a certain amount of money saved. I imagine simple walks with my husband, travelling, spending time with our c...

16 Syys 16min

Money Stories: Why Your Childhood Beliefs Are Costing You Thousands in Growth | EP 29

Your Money Story is Holding You Back. Here's How to Change It. Do you know where your beliefs about money come from? Research shows your core money beliefs are formed by age seven and most of us inher...

12 Elo 33min

Mid-Summer Money Reset: A No-Guilt Financial Check-In for Busy Moms

Summer moves fast - swim lessons, beach trips, gas, and spontaneous ice cream stops! In this episode, we walk through a simple, no-guilt mid-year financial check-in: reviewing cash flow, auditing subs...

23 Heinä 9min

Why You Keep Putting Off Money Decisions

If you're planning a big financial goal but keep putting it off, this episode is for you. In this episode, I break down the 4 most common reasons why people delay important money decisions and how to ...

15 Heinä 3min

I Lost My Father at Five - Here's How It Shaped My Career in Financial Security

This episode is a little different. For once, I'm not the one asking the questions — my colleague and mentor Greg Keith, CFP, Senior Advisor at Wealth Plan Atlantic, is turning the mic on me. I talk ...

19 Kesä 29min

Understanding Financial Planning: Tax System, Accounts, and Insurance with 16-Year Advisor Jeff Scammell | EP 25

Have you ever wondered how the Canadian tax system actually works? Why are two incomes sometimes complicated? What's the real difference between a TFSA and RRSP for YOUR situation? This episode provi...

5 Kesä 23min