Are you planning for retirement and unsure about when to start taking your Canadian Pension Plan (CPP) benefits? Don't miss this crucial episode of the Heart of Your Money podcast! In episode 119, we delve into the intricacies of the CPP, a hot topic in almost every retirement meeting. Discover how your contributions and benefits are calculated, and learn about the often-misunderstood impact of zero years of working before collecting CPP. Whether you’re nearing retirement or planning ahead, this episode will help you navigate the complexities of the CPP and optimize your retirement strategy. G ..read more

In my latest episode, I'm sharing why our last 2 clients came to Astra Financial and the importance of these 3 things in an financial advising relationship: ➡️ Personalized Financial Planning: The critical need for detailed and personalized financial planning as clients approach retirement ➡️ Recognizing and Acting on Red Flags: The importance of recognizing red flags in financial advisory relationships. Whether it's a lack of detailed financial planning, insufficient explanations about fees, or a general feeling of uncertainty after advisory meetings ➡️ Client Empowerment Through Education: T ..read more

Are you ready to supercharge your financial journey? ? Tune in to our latest podcast episode where my daughter and I dive deep into three game-changing strategies for financial success and stronger family bonds, including ... ?Starting small but dreaming big: And how those little steps can lead to massive wins! ?Celebrating every milestone along your financial path because every victory counts! ?Learning how to create a supportive and judgment-free environment that fosters financial well-being and strengthens family ties. Don't miss out on this valuable insight! Tune in now and join us on ..read more

Ready to gain insightful secure your financial future through smart pension management? In my latest podcast episode, I'm sharing my top tips, including ... ?Educating yourself about pensions early in your career, covering contribution rates and vesting periods to make informed decisions. ?Exploring the benefits of consolidating multiple pension accounts into one, making management simpler and more efficient. ?Emphasizing the importance of keeping your contact information up-to-date to avoid any disruptions or losses in tracking your pension. Don't miss out on these valuable insights! Tune in ..read more

Importance of End-of-Life Conversations and Documentation: The podcast emphasizes the critical need for individuals to have conversations about their end-of-life wishes with loved ones or document them if they can't. This ensures that their desires are known and respected, helping to avoid family conflicts and uncertainty during challenging times. Comprehensive Support and Resources: Kathleen Kellner's role as an end-of-life consultant extends beyond traditional funeral planning. Her company, Empowered Endings Collective, offers comprehensive support, including financial, legal, and legacy pla ..read more

Elevate your tax game with my latest podcast! Today's episode is dedicated to tax season. Learn my top tips on navigating recent updates, including ... ? Discovering the power of disclosure in trust arrangements, ensuring CRA compliance and penalty avoidance. ? Traversing the 2023 home office expense changes – meet criteria, keep docs handy! ? Exploring the CRA's recent 10% interest charge hike; timely payments save you from hefty fines. ? Stay informed, be proactive – these tax insights are your guide to smooth financial sailing! Dive into tax insights today for savvy financial planning ..read more

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Embark on a journey of insightful revelations with Laura Englund as she unravels the intricacies of navigating life transitions, including these three key takeaways that might just reshape your perspective: ? Early Conversations Are Key: Laura passionately advocates for the power of early conversations and strategic planning when it comes to life transitions. Waiting until retirement, she cautions, might add unnecessary stress. Learn why initiating these dialogues sooner rather than later can be a game-changer in navigating the twists and turns of life. ? Downsizing Beyond the Tangibles: In a ..read more

In the latest episode of "Heart of Your Money," we dive deep into the heart of family dynamics and finances. Get ready for a rollercoaster of insights and personal stories that will reshape the way you approach money within your own clan. Here's a sneak peek into the transformative journey: ? Diverse Money Perspectives Unveiled: Discover how I navigate the intricate web of diverse money mindsets within my family, ensuring a harmonious financial landscape and preventing conflicts before they even arise. ? Money Memories: It's more than just nostalgia. Join me on a trip down memory lane as I ope ..read more

Embracing Simplicity in Money Management: The episode emphasizes the importance of adopting a minimalist approach to financial management, drawing parallels between a simple lifestyle and a streamlined approach to handling money. Daily Financial Check-In: The host introduces a quick and easy daily routine, taking just 10 minutes or less, to check in on your finances. This involves planning for the day's expenses, fostering mindfulness in spending, and ensuring that every financial decision is well thought out. Weekly Financial Grasp: The podcast advocates for a weekly 10-minute check-in to ass ..read more