Shows
Retirement IQEpisode #11: The Top Four TFSA Pitfalls and How to Avoid ThemIn this episode of the Retirement IQ Podcast, host John Stregger breaks down one of the most misunderstood tools in retirement planning: the Tax-Free Savings Account (TFSA). While TFSAs offer tax-free growth and flexibility, John explains that many Canadians make common mistakes that reduce their long-term value.John begins with a simple overview of how TFSAs work, including how contribution room accumulates, how unused room carries forward for life, and why TFSA withdrawals don’t affect income-tested benefits like Old Age Security.The episode then ex...
2026-02-0613 minRetirement IQEpisode #10: Looking Back and the Road Ahead - A Sneak Peak at 2026Kick off 2026 with Retirement IQ! In this episode, host John Stregger looks back at the key topics from 2025 - CPP strategies, OAS planning, retirement myths, and gives a sneak peek at what’s coming this year. From how your insurance choices can affect your retirement to avoiding probate and estate planning pitfalls, John shares practical tips to help you build a smarter, more confident financial future. New episodes drop every two weeks - subscribe now and start 2026 with a clear path toward the retirement you dese...
2026-01-1502 minRetirement IQEpisode #9: I Wish I'd Never Bought RRSPsIn this episode of the Retirement IQ Podcast, retirement wealth coach John Springer tackles a concern he hears all the time from friends and family: “I wish I’d never bought RRSPs.” That frustration usually comes from the shock of paying tax when RRSP money is withdrawn. In this episode, John sets the record straight and explains why RRSPs are not the problem — poor planning is.John walks through how RRSPs are designed to work, from tax-deductible contributions during high-earning years to tax-deferred growth over time. He explains what happens when RRSPs must be conve...
2025-12-2913 minRetirement IQEpisode #8: Creating a Guaranteed Retirement Income StreamIn this episode of the Retirement IQ, retirement wealth coach John Stregger walks listeners through the essentials of building a secure and reliable retirement income plan. With the number one concern for Canadians over 55 being the fear of running out of money, John focuses on how to create guaranteed lifetime income that can support you through an unknown retirement timeline.John breaks down the five key sources of retirement income, including Old Age Security (OAS), the Canada Pension Plan (CPP), defined benefit pension plans, ...
2025-12-1710 minRetirement IQEpisode #7: Understanding Old Age Security (OAS)In this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger takes a closer look at one of Canada’s most important retirement benefits, Old Age Security (OAS). Building on last week’s discussion about the Canada Pension Plan (CPP), John explains how OAS works, who qualifies, and how to make the most of this lifetime benefit.Learn why OAS is a taxable benefit starting at age 65, how your income affects what you receive, and what happens if you cross the OAS clawback threshold. John shar...
2025-12-0110 minRetirement IQEpisode #6: CPP and Your Retirement Income StrategyIn this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger tackles some of the most common misconceptions about the Canada Pension Plan (CPP). Many Canadians wonder if the CPP will still exist when they retire or how much income they can really expect. John breaks down the facts to help you plan with confidence.Learn how CPP benefits are calculated, when it might make sense to start or defer payments, and why the plan remains financially stable for decades to come. John also explores...
2025-11-1711 minRetirement IQEpisode #5: Money, Life, and Meaning with Carl RichardsIn this episode of the Retirement IQ Podcast, host John Stregger welcomes renowned financial planner, author, and New York Times columnist Carl Richards to explore the powerful connection between money and life. Carl, famously known as the “Sketch Guy”, shares how his simple illustrations make complex financial concepts easy to understand. Discover why financial planning should align with your life goals, and the importance of having open, honest money conversations within families. Packed with practical wisdom and inspiring stories, this episode will help you rethink wealth, reduce financial stress, and create a retirement that...
2025-11-0324 minRetirement IQEpisode #4: Managing Investment Volatility in RetirementIn this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger unpacks one of the biggest risks to your retirement: market volatility. Learn why volatility can help during your savings years but harm you during retirement withdrawals, and how to protect yourself with smart strategies. John explains the cash wedge strategy, a proven approach to secure income for the first three years of retirement while keeping your long-term investments working for growth. With insights on risk management, longevity planning, and building financial confidence, this episode will help you safeguard your retirement...
2025-10-2409 minRetirement IQEpisode #3: When Is the Right Time to Retire?In this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger explores the overlooked side of retirement planning: knowing when to retire and how to create a meaningful life beyond money. Learn why retirement is more than just financial stability, how to identify your core values and passions, and the importance of “test driving” activities before leaving work. With real client stories and practical strategies, John shows you how to design a retirement that balances financial confidence and peace of mind. To learn more visit www.freeretirementreport.ca
2025-10-0107 minRetirement IQEpisode #2: Why You Need a Retirement Plan (Not Just an Investment Plan)In this episode of the Retirement IQ Podcast, retirement wealth coach John Stregger explains why a true retirement plan goes far beyond investment strategies. Discover how to align your money with your values and goals, the difference between a retirement plan and an investment plan, and why your plan should be a living document that evolves with life changes, markets, and tax laws. Packed with real client stories and practical advice, this episode will help you build a retirement strategy that ensures financial security, reduces taxes, and supports the lifestyle you’ve always envisioned....
2025-09-1509 minRetirement IQEpisode #1: Welcome to Retirement IQ: Your Guide to a Successful RetirementIn the first episode of Retirement IQ Podcast, retirement wealth coach John Stregger reveals how to take control of your financial future and avoid “financial autopilot” in your 50s and 60s. Learn how to build your retirement blueprint, turn savings into reliable income, reduce taxes, and make smart choices about CPP, pensions, and estate planning. With 25+ years of experience, John shares proven retirement strategies, practical money tips, and inspiring stories to help you create financial freedom and live your best life in retirement.To learn more visit www.freeretirementreport.ca
2025-08-3108 min