Caleb and Riley are joined by David MacLean, 30+ year now retired Senior Investment Advisor and Financial Planner. In this episode we dive into what he did to help his clients maximize their plan and successfully retire as well as what he didn’t do! David helps us understand why most people ask the wrong questions, like “what funds should I own?” and a why portfolio is not a plan — but the last step in creating a financial plan. Learn more about: What David found over 30+ years to be the most important factors in being a successful investor. The risk of not investing and the incredible probabilities of success when investing over 10, 20 and 30 year periods. Why we should expect volatility, market downturns and have the courage to not doing anything and stand still when others are saying, “Why are you standing there, do something”. Memorable Quotes: Book: Nick Murray, Simple Wealth Inevitable Wealth Favorite Quotes: Nick Murray, Simple Wealth Inevitable Wealth Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley discuss how long you are expected to live! Maybe you’re going to drop dead before this podcast episode even ends (maybe that’s a bit too morbid ). Perhaps you will become the longest living member of your family. We don’t know exactly when, but do know that your days are numbered. In this episode we talk about a major retirement risk that we all face; the risk of having a long and healthy life. Learn more about: How long might I live? What do current statistics say about how long you may actually live? What is the probability of living to age 100? How is life expectancy changing? Is it trending up/down? What you need to do to take care of yourself and reach your full life expectancy potential. How do I increase my life expectancy and build a plan that supports a long life while ensuring I don’t run out of money? And don’t underspend? Memorable Quotes: “A retirement projection simply tells you where you are headed based off many static assumptions. But a retirement plan tells us what we will do and when we will do it when those assumptions change. This difference is overlooked and very important” “Only 20% of life expectancy is based on genes, 80% is based on our lifestyle.” “The oldest person to ever live was the French Jeanne Calment who was 122 years and 164 days old when she died in 1997.“ Resources: List of the verified oldest people Rich Roll: A Longevity Masterclass: Emerging Science & Timeless Wisdom of Healthy Aging Longevity Risk and Retirement Income Planning (a summary) Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are excited to be joined by Joseph Curry, President & Financial Planner at Matthews + Associates. Joe is passionate about helping clients create a good plan for a great retirement. He works to create retirement income strategies that assist clients to reduce their lifetime taxes, and ensures they don’t outlive their money. Sound familiar? Caleb, Riley and Joseph are on a very similar mission to help retirees and people within a few years of retirement achieve what Joe calls, “True Wealth”. Learn more about: The formula to determine how much to withdraw from your investments each year, so that you have the highest income without jeopardizing your financial security. How to strategically combine your household income sources each year to minimize taxes and maximize income An important reason Joe thinks you should carefully consider when you begin taking your CPP and OAS. Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley discuss what Nick Murray calls “The key to your investments outperforming most others” and how fear and our reactions are often the #1 wealth killer. There is no doubt that you want to come out ahead and maximize your returns. But maybe you are wondering how can you get there. Investment success belongs to the fearlessly disciplined not the brilliant. This was said by William Bernstein, a financial theorist and neurologist, and writer of financial literature. Remaining a disciplined investor, despite all the panic around us, is incredibly important as we plan for and live through our retirement. Learn more about: How to feel okay about fearful emotions about the market and not react in a way that kills growth Why ups and downs in the market are normal an expected and the distinction between volatility and loss They key to having an outlook that builds wealth through the remainder of your retirement Memorable Quotes: “A genius is the man who can do the average thing when everyone else around him is losing his mind.” “Great golfers don’t necessarily hit the most number of great shots, as they hit the least number of terrible shots.” “The S&P 500 broader market return on average is around 13.69% but the average equity investor’s return, was half of that 5.50%.” Resources: Ted Talk: Things Aren't As Bad As You Think They Are | Dan Gardner | TEDxNashville Article: Morgan Housel on Greed and Fear, Frugality and Paranoia Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are joined by Karen Henderson. As the result of a challenging 14 – year dementia care experience, Karen founded the Long Term Care Planning Network, Canada’s leading online and off-line resource centre for aging and long term care. Planning for aging and care needs can be daunting – but Karen’s goal is to make it easy to take the first step. Learn more about: The impact of not being prepared for aging or declining health and the result that will have on you and your family members. What it takes to stay in you home throughout your retirement years and how to increase the probability that you can “age in place: by preparing now. An understanding of the continuing care in Canada, the options available, and what each costs and it’s accessibility. Resources: Karen’s Website: Long Term Care Planning Network Karen on LinkedIn Email Karen: karenh@ltcplanningnetwork.com Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley discuss the #1 thing you can do to be more confident that your money will last your entire retirement. You may be thinking, I have figured out to do this, It’s called “I just wont withdraw/spend any money from my portfolio”. Let them show you you, there is a much better way, you don’t have to do that. You sacrificed throughout your life to work and save and now it’s time to use it. If you want to maximize your wealth and spending in retirement then this episode is for you. Learn more about: The underused but very effective “Guardrails” approach and the benefits of using it Why running out of money is a concern more than ever right now Simple and effective strategies to mitigate that concern and the one strategy that dominates them all Memorable Quotes: “The advice is simply to, “save more”, “spend less” or “work longer”...is directionally helpful, but lacks specifics. I wouldn’t call it a financial plan. A financial plan should be easy to follow and straightforward to implement. A plan should be specific and say if x or y were to happen, then w or z should be the recommended action.“ Resources: A portrait of Canada’s growing population aged 85 and older from the 2021 Census Bank of Canada inflation calculator Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Caleb and Riley are joined by Jane Blaufus, speaker, coach and best selling author. Jane has a mantra that: “We have an obligation to ourselves and to those we love to make sure we leave this world in an organized manner.” Through her book, her speaking engagements, her writings, and her coaching, Jane empowers people to have courageous conversations and has started an international movement to help people get their personal and financial lives in order before it’s too late. Learn more about: Janes personal story and why she believes having courageous conversations is so vitally important The kinds of questions and conversations you should be having with your partner and family members Strategies to overcome some of the roadblocks to having courageous conversations Resources: Janes Website Janes Linkedin Janes book, With The Stroke of a Pen: Claim Your Lie Book & Planning Binder Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Get ready for a unique episode! Today Caleb and Riley share their most favourite moments, learnings, and research over the first year of doing this podcast. It’s all killer no filler. If you want the cream of the crop; if you want to know what are those fantastic learnings, mysteries, insights that will elevate your retirement from zero to hero, then this episode is for you. Get a recap on the best learning from prior episodes and afterwards you may even want revisit those episodes and dig deeper into the discussion and the material. Learn more about: Our most favourite moments, learnings, and research from the first 50 episodes The key ideas, concepts, thought processes presented over 2022 that continue to be useful in 2023 Our favourite podcasts guests and their advice on how to live a robust retirement Resources: Ep 3 - The best decade to work with a financial advisor Ep #19 - Rich vs Wealthy Ep #22 - An inspiring retirement farewell speech worth pondering Ep #27 - Your One Page Retirement Plan and What It Should Monitor To Stay On Track Ep # 28 - David Blanchette: The Retirement Consumption Gap Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Meet Mike Drak, author of two best selling books on retirement. If you're struggling with the idea of retirement, Mike and this episode are for you. Prior to authoring several books on retirement Mike was a self-proclaimed workaholic, winning sales contests and focused on his decades-long career in banking. Then he got packaged out and forced into early retirement. He quickly found he was on the path to retirement hell – unhealthy, overweight, and missing the purpose that drove him throughout his entire career. In addition to being a published author he is a writer, blogger, Life style coach, mentor, retirement coach and public speaker. He delivers workshops on all the non financial aspects of retirement to help future retirees in creating their vision for their own retirement lifestyle design. Learn more about: How to identify your ‘retiree type’ to understand how to design your ideal retirement lifestyle Hear how Mike ended up in ‘retirement hell’, what that felt like and the work he did to get out The fundamental needs retirees ‘lose’ when leaving work and how to re-satisfy them in retirement Resources: Amazon: Retirement Heaven or Hell: 9 Principles for Designing Your Ideal Post-Career Lifestyle Mike Drak on LinkedIn Free Download of Mikes Latest Book: Longevity by Design Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts

Your decision of when to begin receiving CPP could be worth $545,550! In this episode we are getting the rundown on CPP from Riley Many people make this decision on a whim. They may not think it matters, or they may just do what their friends or parents did. However if you want to maximize your income in retirement, there is a better way to go about it. Many people make the decision of when to begin taking their CPP on a whim. They may not think it matters, or they may just do what their friends or parents did. However if you want to maximize your income in retirement, there is a better way to go about making this decision.This is what we dive into today. Learn more about: How to calculate the most optimal time for you to begin receiving your CPP Common cases when it makes sense to take CPP early and the financial benefits of delaying your CPP A simple question framework for you and your planner to use to assist you in making the best decision Memorable Quotes: The majority of people choose to start CPP as early as possible. In fact, over 9 out of 10 people choose to start CPP at or before the age of 65. As an accountant, financial planner, someone that wants to help people maximize their money - this breaks my heart! Resources: Canada.ca CPP Retirement pension Overview Hosted by Caleb Miller and Riley Anderson of InvestorDNA Meet Caleb and Riley Book a Call Subscribe on Apple Podcasts Subscribe on Spotify Subscribe on Google Podcasts