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...
