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Blog

Lloyd Litke | Oct 20, 2026

The Cost of Waiting 20 Years to Start Investing

Financial success
compound growth
Investments
Retirement
Most people assume they can catch up on investing later. The reality is that time is often more valuable than the amount invested, thanks to the power of
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Lloyd Litke | Oct 20, 2026

What Is Sequence of Returns Risk and Why Does It Matter in Retirement?

retirement success
sequence of returns
market downturn
diversification
A market downturn early in retirement can have a bigger impact than many people realize. Discover what sequence of returns risk is and how smart planning can
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Lloyd Litke | Aug 28, 2026

Income Diversification: Building a More Balanced Retirement Portfolio

retirement income
diversification
market uncertainty
investment strategy
Is your retirement income strategy built to last? Retirement isn't just about generating income today, it's also about keeping your portfolio positioned for the
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Lloyd Litke | Jun 15, 2026

What is the Life Expectancy in Canada, & Why Does It Matter for Retirement Planning?

retirement planning
life insurance
retirement budget
Canadians are living longer than ever, making it increasingly important to plan for a retirement that could last 20 to 30 years or more.
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man and woman sitting on bench in front of beach by James Hose Jr courtesy of Unsplash.
Lloyd Litke | Feb 26, 2026

CPP Enhancement: What It Means for Your Retirement

Canada Pension Plan
retirement income
retirement planning
Here’s what the CPP enhancement is, how it works, and why it matters for your future financial plan.
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woman in white t-shirt standing beside woman in black and white stripe shirt by Hillshire Farm courtesy of Unsplash.
Lloyd Litke | Jan 30, 2026

2026 Tax Planning Tips

Tax Planning
Retirement
estate planning
Nobody likes to pay more tax than they have to. With a little planning and these tips, you can be on your way to a lower tax bill.
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Lloyd Litke | Dec 18, 2025

Take Advantage of the Final Days to Save Tax in 2025

Tax Planning
RESP
First time homebuyer
Smart strategies to reduce your tax bill before December 31
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Lloyd Litke | Nov 20, 2025

Probate: The Good, the Bad, and the Ugly

estate planning
why life insurance
wills in BC
financial planning
Discover how probate really works, and how smart planning can help you protect your estate, your privacy, and your family
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Lloyd Litke | Oct 30, 2025

Taxes and Your Retirement Income: Key Principles to Discuss with Your Advisor

retirement income
tax efficient retirement
when to take out CPP
when can I retire
Retirement income comes from many sources, but not all are taxed the same. Here’s how a smart plan can help you keep more in your pocket each year.
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Lloyd Litke | Oct 16, 2025

8 Smart Ways to Reduce Taxes and Keep More in the Family

estate planning
Tax Planning
charitable giving
spousal trust
tax smart
Learn how to reduce taxes on your estate and make sure your loved ones inherit more of what you’ve worked hard for
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Lloyd Litke | Sep 2, 2025

How to Save and Invest for Short- and Long-Term Goals

RRSP vs TFSA
financial planning
retirement planning
diversification
investment strategy
Short-term goals need safety. Long-term goals need growth. Here’s how to balance both!
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Lloyd Litke | Sep 1, 2025

Your Guide For How To Make A Will In Canada

wills
estate planning
inheritance
financial planning
Still don’t have a will? You are not alone, and it is a lot easier than you think!
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