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Benefits, pension plans face sustainability issues
By Greg Pallone Canadians are genuinely worried about their financial security as they face potential age-related health issues combined with the prospect of retirement at possibly the worst time in...
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CAP Guidelines Do Matter
By Greg Pallone With all the recent talk about the PRPP, pension reform, pension adequacy and savings rates, it seems like the Capital Accumulation Plan Guidelines (CAP) which were introduced into the...
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Re-thinking Retirement (Part 1)
It is one of the most pervasive things about living – we are getting older. That’s obvious of course, but in the context of global statistics on aging we are also living longer. It also means seniors...
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Re-thinking Retirement – Part II
In our last blog, we talked about how increased life expectancy has created longevity risk, or the potential you will run out of money during your retirement years. It’s a real risk for the thousands...
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Movember – For Men’s Health
November is here and it is once again all about that often misunderstood human; the male of the human species. Men have a well-earned reputation of being somewhat cavalier regarding health issues, but...
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What’s a MER and Why Do I Care?
Most investors understand the notion of an investment management fee (IMF) associated with their investments in pension plans and retirement savings plans. The IMF is how the fund manager gets paid for...
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Reforming Pension Reform
The last time our pension system was truly reformed or revised was 1991 and that year pension rules changed right across the country with every province applying most, if not all, of the same...
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5 Things You Don’t Know About Retirement
“Retirement” means something different to almost everyone you ask. But almost everyone universally focuses on the financial issues surrounding retirement, and very little time on the emotional changes...
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The Impact of Specialty Drugs on Private Plans
We have been talking about it for a few years now, but the patent cliff, which was the term used to describe the period of time when a large number of blockbuster drugs lost their patent protection,...
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The Ontario Registered Pension Plan (ORPP) – It is still a go or is it?
Much has been written lately about the Ontario Retirement Pension Plan (ORPP), along with the potential expansion of the CPP. The recent induction of a new Liberal government, has brought this...
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