Description

Teaching comes with one of the best pensions in Canada. But that doesn’t mean your retirement is “set and forget.” In this episode, Tré walks through the financial decisions every teacher needs to get right—before and after retiring.

Defined benefit pensions reduce your investment risk but create planning traps if you don’t understand tax brackets, withdrawal timing, and how your income really works in retirement. If you’re a teacher or married to one, this episode is essential listening.

What you’ll learn:

• How defined benefit pensions work (and why they’re golden handcuffs)
• The big pension change in 2015 that impacts your payout
• Why CPP, OAS, and RRSP timing matters more than you think
• How to avoid paying more tax than necessary in retirement
• When to use (or avoid) RRSPs if you're in a defined benefit plan
• What to consider before buying retiree health and dental plans

Know a teacher? Share this episode with them—they’ll thank you later. And don’t forget to follow or rate the podcast.