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The Lifetime Income Portfolio: A Sustainable Approach to Retirement Income
In the realm of retirement planning, ensuring a stable and sustainable income stream remains a paramount concern for individuals transitioning into or already enjoying their retirement years. Harmer Wealth Management, under the guidance of Chad Harmer, has crafted a...
Fixed or Variable in 2026? How Durham Homeowners Should Think About a Mortgage Renewal After the Bank of Canada’s October Increase
If your mortgage comes up for renewal in the next twelve months, you have probably noticed that the conversation has changed. For most of 2025 and the first half of 2026 the question was how far rates might fall. On October 28, 2026 the Bank of Canada raised its...
Financial Advisor in Oshawa: 8 Questions GM, OMERS and HOOPP Pension Members Should Ask Before Retiring
If you are searching for a financial advisor in Oshawa and you have a defined benefit pension, the most valuable thing an advisor can do for you is not pick investments. It is to help you get a handful of one-time, irreversible pension decisions right — the retirement...
When Should You Take CPP and OAS? A 2026 Guide for Retirees in Bowmanville, Whitby, Oshawa, Port Hope and Newcastle
For most healthy retirees in Durham Region and Northumberland County who have other income to live on, deferring CPP past 65 — and often OAS as well — produces more lifetime income and a larger indexed paycheque in the years when it matters most. For retirees with...
Retirement Income Planning in Port Hope: Turning Savings, CPP and Home Equity into a Monthly Paycheque
Retirement income planning is the process of turning everything you have accumulated — RRSPs, TFSAs, a pension, CPP and OAS, non-registered savings and, for many Port Hope households, a paid-off home — into a monthly amount you can count on for the rest of your life,...
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