by harmerwealth | Oct 7, 2026 | Financial Planning, Retirement Planning
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...
by harmerwealth | Oct 5, 2026 | Retirement, Retirement Planning
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...
by harmerwealth | Sep 10, 2026 | Retirement, Retirement Planning
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,...
by harmerwealth | Sep 2, 2026 | Retirement, Retirement Planning
If you live in Bowmanville, Courtice, Newcastle or Orono and retirement is somewhere between five and fifteen years away, this is the decade that matters most. Not because it is too late to fix things, but because it is the last stretch where the big levers — how much...
by harmerwealth | Aug 24, 2026 | Disability & Critical Illness Insurance, Estate Planning, Financial Planning, First-Time Home Buyer, Inheritance, Insurance, Investing, Investment Income, Mortgages, Retirement, Tax Planning
The right financial advisor for Durham Region and Northumberland County is a licensed, fee-transparent planner who lives and works where you do — not a call-centre voice three time zones away. When you’re comparing advisors in Port Hope, Oshawa, Bowmanville, or...
by harmerwealth | Aug 18, 2026 | Financial Planning, Retirement
How Much Monthly Income Can $500K–$1M Generate in Retirement in Ontario? A $1,000,000 portfolio invested in an income-focused portfolio with a 6% distribution yield can generate roughly $5,000 per month before tax. A $500,000 portfolio at the same yield produces about...
