Shows
Your Retirement Planning SimplifiedFireside Financial Ep #21: Go-Go to No-Go: Navigating Long-Term Care, Home Equity, and Legacy GoalsJoe and Regan examine the essentials of long-term care planning in retirement. They emphasize the importance of proactive strategies to manage future healthcare expenses. They look at the "retirement expense smile," covering the go-go, slow-go, and no-go years, and explore options like funding care through investments, leveraging home equity, or using long-term care insurance. They highlight the critical role of accessible home modifications, clear communication with family, and securing essential estate planning documents such as wills and powers of attorney. The episode also touches on preserving legacy goals with life insurance strategies, making it a must-listen for anyone focused...2025-01-0612 min
Your Retirement Planning SimplifiedFireside Financial Ep #20 – Client-Centered Wealth ManagementJoe and Regan share their journeys in the financial planning industry, highlighting key transitions to independent wealth management. They discuss the challenges of starting in a sales-driven culture, the benefits of prioritizing client-centric retirement planning, and the importance of independence in offering customized financial solutions. Joe shares a compelling story about poor client service at a big bank, emphasizing the value of personalized, responsive financial advice. Explore how independence and mentorship create a better experience for clients and new advisors in the financial services industry. Read the full show notes and find more information here: Ep 20 Show No...2024-12-0213 min
Your Retirement Planning SimplifiedFireside Financial Ep #19: Gaining Clarity: Why Retirees Switch Financial Advisors Does this sound familiar? Your advisor tells you not to worry, that you're in a good position for retirement. However, you still feel uncertain and lost about where you stand financially. The struggle to get clear answers and guidance on retirement planning can leave you feeling anxious and overwhelmed. If this resonates with you, it's time to take a different approach to retirement planning and seek the clarity you genuinely deserve. Dive into a candid conversation between Joe Curry and Regan Schiller, two seasoned retirement planners as they unravel the unspoken complexities of retirement planning. Re...2024-11-0420 min
Your Retirement Planning SimplifiedFireside Financial Ep #18: Top 10 Reasons You Need a Retirement Plan If you're feeling uncertain about your retirement finances and making decisions based on guesswork, then you are not alone! Many individuals nearing retirement age find themselves in a similar situation, relying on rules of thumb or hearsay rather than having a concrete plan in place. This lack of clarity can lead to stress, anxiety, and potential financial missteps, leaving you feeling unsure about your retirement future. Joe and Regan discuss the top 10 reasons to create a sold retirement plan so that you can navigate this critical phase of life with confidence. Read the full show no...2024-10-0721 min
Your Retirement Planning SimplifiedFireside Financial Ep #17: Expect the Unexpected: Hidden Costs in RetirementJoe and Regan discuss lesser-known aspects of retirement planning, focusing on unexpected expenses, psychological adjustments, and the impact of inflation. They highlight overlooked costs like home maintenance, supporting adult children, and healthcare, while also addressing the importance of planning for unplanned opportunities. The conversation delves into the emotional shifts in retirement, offering advice on staying socially connected, revisiting past hobbies, and navigating changes in daily routines. Read the full show notes and find more information here: EP 17 Show Notes2024-09-0222 min
Your Retirement Planning SimplifiedFireside Financial #16: RRSPs Alone Don't Cut It: Building a Complete Retirement Plan Joe and Regan explain why personalized planning is crucial for a secure and enjoyable retirement. They debunk myths, offer actionable advice, and equip their audience with the tools to make informed financial decisions. Whether it's re-evaluating the role of RRSPs, determining the right time to take CPP, or balancing investment portfolios, this episode is a must-listen for anyone seeking to optimize their retirement strategy. Read the full show notes and find more information here: EP 16 Show Notes 2024-08-0619 min
Your Canadian Retirement SpecialistWhy an Emergency Fund Matters, Even in RetirementHello, and welcome to another episode of Fireside Financial. Today, we will discuss the importance of an emergency fund, even in retirement. Why would you want an emergency fund, you ask? Keep on listening to learn more. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://val...2024-07-0120 min
Your Retirement Planning SimplifiedFireside Financial Ep 15: The Value of Having a Retirement Emergency Fund In this podcast, Joe and Regan look at having an emergency fund in retirement. They discuss how setting aside three to six months’ worth of expenses can provide peace of mind and financial security, protecting retirees from unexpected expenses without needing to dip into investments or accrue high-interest debt. They highlight that an emergency fund should be kept in a highly liquid and low-risk account, such as a savings account, to ensure it is readily accessible when needed. The discussion also covers the potential benefits of having a line of credit as an additional backup, especially when mark...2024-07-0120 min
Your Canadian Retirement SpecialistBenefits of Engaging in Part-Time Work or Starting a Side Hustle During Retirement Welcome back to Fireside Financial. Today we will be discussing the benefits of engaging in part-time work or starting a side hustle during retirement. Whether you're looking to stay active, pursue a passion, or supplement your income, there's a world of opportunities waiting for you. Let's explore how you can make the most of your golden years. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Con...2024-06-0420 min
Your Retirement Planning SimplifiedFireside Financial Ep 14: Stay Social and Stay Sharp: The Top Reasons to Work Part-Time Post-Retirement Joe and Regan explore the myriad benefits of engaging in part-time work or starting a side hustle during retirement. They discuss how supplemental income alleviates financial stress and supports lifestyle desires such as travel. Beyond the financial perks, they delve into the non-monetary advantages, including social engagement, mental stimulation, and a renewed sense of purpose. Through personal anecdotes and client stories, they highlight how even a small commitment to part-time work can enhance retirees' quality of life by keeping them active, engaged, and contributing to their communities. Read the full show notes and find more inf...2024-06-0318 min
Your Canadian Retirement SpecialistHow to Draw a Retirement PaychequeHave you ever wondered how you can draw a retirement paycheque or how to create income streams in retirement? If so, you are not the only one. We cover this and so much more in the latest episode of Fireside Financial. As always, we hope you enjoy the episode. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for a...2024-05-0623 min
Your Retirement Planning SimplifiedFireside Financial Ep 13: Pension to Portfolio: Strategies for Drawing Income in Retirement In this episode, Joe and Regan navigate through the various income streams available in retirement, including pension plans, government benefits like CPP and OAS, investment portfolios, annuities, and even rental income. They emphasize the importance of intentional decision-making, stressing the need for individuals to assess their expenses, maintain emergency funds, optimize taxes, and consider their net worth goals to ensure financial stability throughout retirement. Read the full show notes and find more information here: FF EP 13 Show Notes 2024-05-0621 min
Your Canadian Retirement SpecialistHow Grandparents Shape Their Grandkids' Financial FutureWelcome to another episode of Fireside Financial! Today, we dive into the invaluable role grandparents can play in educating their grandkids about money and shaping their financial future. Sit back, relax, and enjoy the episode. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.co...2024-04-0317 min
Your Retirement Planning SimplifiedFireside Financial Ep 12: Grandparenting 101: Instilling Money Values in Grandchildren This month Joe and Regan dive into how to educate grandchildren about money. They use real-life examples like grocery shopping and budgeting exercises. They look at how grandparents can make meaningful contributions, such as gifting money with a purpose, like for a car or post-secondary education while instilling lessons about financial responsibility. By engaging in open conversations and setting positive examples, grandparents can play a crucial role in shaping their grandchildren's financial literacy and long-term financial well-being. Read the full show notes and find more information here: EP 12 Show Notes2024-04-0115 min
Your Canadian Retirement SpecialistHow to Best Recieve an InheritanceWelcome to another episode of Fireside Financial. Today, we are going to talk about how to best receive an inheritance. If you missed last months episode, we recommend diving into that one as well - as this is a part 2. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https...2024-03-0609 min
Your Canadian Retirement SpecialistPreparing Your Family to Recieve Your InheritanceWelcome back to episode #10 of Fireside Financial. Today, we're going to be talking about how to best prepare your family to receive your inheritance. We hope you enjoy the episode. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.linkedin.com/in/joseph-curry-b-sc-cfp-chs-42659247/ Book your FREE Retirement Planning Consultation and check out our master class on Retirement Planning for an in-depth look into our planning process here: https://value.schillerandassociates.com/retirement Prefer to watch video...2024-02-0513 min
Your Canadian Retirement SpecialistEstate Planning 101Welcome to episode 9 of Fireside Financial! In today's episode, we delve into the indispensable essentials of estate planning. A will is a must-have for everyone, yet it often gets relegated to the back burner of priorities. Despite its importance, it rarely feels urgent. However, the myriad reasons underlying the significance of having a will cannot be overstated. Curious about these crucial reasons? Stay tuned to find out more. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ Joe Curry: https://www.li...2024-01-0825 min
Your Retirement Planning SimplifiedFireside Financial EP #9 Protect Your Legacy: Estate Planning Essentials for Families Joe and Regan examine estate planning essentials. They emphasize the significance of having an up-to-date will and stress the importance of clear communication within families. They also look at the often-overlooked aspect of digital assets, urging listeners to document and share information on online accounts to ensure easy management by their executors. They advocate for open conversations with family members about estate planning decisions. If you’ve been thinking about estate planning, this is an excellent how-to episode. Read the full show notes and find more information here: EP 9 Show Notes 2024-01-0121 min
Your Canadian Retirement SpecialistNavigating Market Volatility in RetirementWelcome back to another episode of Fireside Financial with your hosts, Regan Schiller and Joe Curry. In this episode, Regan and Joe discuss how to cope with market volatility, whether you are in retirement or in the process of retiring. Thinking about your retirement and your portfolio in phases can help when it comes to your long-term investment. Tune in to the episode to navigate through market volatility and understand more about market resilience. Get in touch with Regan and Joe: Regan Schiller: https://www.linkedin.com/in/schillerandassociates/ 2023-12-0517 minYour Retirement Planning SimplifiedFireside Financial Ep 8: Find Your Financial Zen: Build Resilience Amid Market Volatility Joe and Regan look at managing anxiety around market volatility, particularly for individuals nearing or already in retirement. They address retirees' concerns who want immediate income from their investments but experience anxiety from the unpredictability of market fluctuations. Joe urges listeners to break down their portfolios into distinct buckets aligned with different phases of retirement. Regan reinforces the significance of revisiting risk tolerance and maintaining a diversified portfolio. Stick to a good retirement plan, backed by strategies designed to weather market storms. Read the full show notes and find more informtion here: EP 8 Show...2023-12-0415 min
Your Canadian Retirement SpecialistTap Into Your Home’s Potential With HELOC, Reverse Mortgages and All-In-One’sWelcome back to another episode of Fireside Financial. In this episode, Joe Curry and Regan Schiller are discussing HELOC versus reverse mortgages versus an all-in-one and how to know which option is best for you. The hosts examine this frequently asked question by exploring the advantages of each one and what flexibility they can offer you in retirement. Especially when it comes to future expenses, medical care, or home renovations to accommodate for accessibility. When it comes to debt, the home can be your biggest investment of wealth to tap into. This...2023-11-0623 min
Your Retirement Planning SimplifiedFireside Financial Ep 7: Maximizing Retirement Planning: How Minimizing Can Maximize Your Financial FutureIn this episode of Fireside Financial, CFPs Joe Curry and Regan Schiller delve Home Equity Lines of Credit (HELOC) versus reverse mortgages. They provide valuable insights into how these financial tools can be used strategically during retirement planning. They address the common misconception that retirees should avoid debt entirely, highlighting the benefits of using HELOCs and all-in-one accounts as flexible tools for managing unexpected expenses or healthcare costs. Read the full show notes and find more information here: EP 7 Show Notes2023-11-0620 min
Your Canadian Retirement SpecialistMaximize Your Retirement Income: The Power of Withdrawal Strategies Welcome back to another episode of Fireside Financial. In this episode, Joe Curry and Regan Schiller explore the complexities of optimizing retirement income through strategic withdrawals from Registered Retirement Income Funds (RRIFs) and other retirement accounts. They delve into the advantages of early RRIF excess withdrawals, even in cases where clients may not immediately require these funds. The hosts examine the realm of astute tax planning, emphasizing the benefits of channeling funds into Tax-Free Savings Accounts (TFSAs) to reap tax-free growth and withdrawals. They underscore the significance of contemplating long-term tax consequences as opposed to annual tax...2023-10-0219 min
Your Canadian Retirement SpecialistFireside Financial Episode 5: Mastering Retirement PlanningWelcome back to another episode of Fireside Financial, where your hosts Regan Schiller and Joe Curry answer your retirement-related questions. Regan and Joe share their expert insights and practical examples, offering you valuable guidance as you navigate the challenges of retirement planning in Canada. They answer your questions on CPP, pension plans, and retirement planning strategies, and explore various retirement scenarios, such as working part-time after age 60 and its impact on CPP. As well, they discuss when to start planning for retirement and how TFSA affects government income supplements. Thanks for tuning in! And, if...2023-09-0428 min
Your Canadian Retirement SpecialistFireside Financial Episode 4: The Impact of Financial Assistance on Your Golden YearsIn Episode 4 of Fireside Financial, Joseph and Regan discuss the increasing trend of parents supporting their millennial children financially. They explore different forms of assistance parents are offering, including down payments on homes, groceries, rent, and mortgages. The hosts stress the importance of a solid financial plan to ensure the support does not compromise the parents' retirement or financial well-being. They also advocate for open communication with children about the financial assistance being given and how it may affect the family's estate in the future. Ultimately, the podcast highlights the commonality of this practice and e...2023-08-0719 min
Your Canadian Retirement SpecialistFireside Financial Episode 3: Retirement Spending: Balancing the Pitfalls and OpportunitiesIn this episode of Fireside Financial, Joe and Regan delve into the fascinating topic of retirement spending. They explore two sides of the same coin: the challenges faced by individuals who feel unprepared for unexpected expenses during retirement, and those who are reluctant to spend their hard-earned savings due to fear of running out of money. Joseph and Regan share valuable insights and real-life examples to help listeners navigate these financial dilemmas. They discuss the importance of accurately estimating retirement expenses, including factors like travel, home renovations, and unexpected costs. They also emphasize the significance of aligning...2023-07-0322 min
Your Canadian Retirement SpecialistFireside Financial Episode 2: Maximizing Your Retirement BenefitsIf you’re feeling frustrated and overwhelmed by the complexity of CPP and OAS timing and the lack of customized strategies to help you achieve smarter retirement planning, then you are not alone! In this episode of Fireside Financial, Joseph Curry and Regan Shiller delve into every facet of retirement planning, to assist listeners in reaching their retirement goals. They discuss how the evolution of software has influenced their views on the optimal timing for receiving CPP and OAS benefits, emphasizing the advantages of postponing both and factoring in life expectancy considerations. Yet, questions arise about potential shi...2023-06-0516 min
Your Canadian Retirement SpecialistFireside Financial Episode 1: Top Tips to be a Successful RetireeWhen it comes to retirement planning, successful retirees have common traits that contritube to their financial security. One such trait is their ability to establish good money management practices from a young age, which allows them to take advantage of compounding interest over time. Equally significant is the practice of staying within one's financial limits and prioritizing saving money. Another trait is the ability to remain calm and focused during periods of market volatility. Staying calm when facing market volatility, allows you to steer clear of impulsive financial choices driven by market fluctuations. I...2023-05-0121 min