"Unretired" & Inspired - A Retirement Planning Podcast cover image

"Unretired" & Inspired - A Retirement Planning Podcast

Latest episodes

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Feb 13, 2023 • 47min

48: Tax Updates For 2023 That Reduce Inflation Pain!

It’s a new year, and with it comes new tax updates to take advantage of. In this episode Caleb and Riley identify the most impactful personal finance changes that are new or increased for 2023 to make sure you are ready to take advantage of them. Learn more about: Your new TFSA room for 2023 and the enormous potential tax benefit of having a funded TFSA in retirement. Which changes you can take advantage of that can help you save on taxes and combat rising inflation. The governments tax updates for 2023 including new tax credits to take advantage of, changes to CPP and federal tax brackets. Resources: CPA Canada Tax update Sharpen your pencil: tax changes to tackle inflation are coming into effect 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
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Feb 6, 2023 • 56min

47: Scott Armstrong: The blueprint to crafting an inspired retirement

Scott Armstrong, CEO of Mindswitch joins Riley and Caleb to discuss his blueprint to helping retirees craft an inspired retirement. Scott is a ‘transition expert’ and has taken his experiences with thousands of individuals to create Mind Switch, a program that helps individuals to retire and aspire. In this episode we learn about how Scott went from creating Canada’s largest rehabilitation and education centre for abandoned exotic animals to a professional speaker and trainer, and published author, who has appeared on numerous television and radio programs helping people make the retirement transition. Learn more about: Why your retirement will be unlike your parents and the biggest challenges to maintaining health, vitality and purpose in retirement Examples of individuals who found a new purpose and who did some of their best work in retirement Actionable tips on how to prepare for a purpose filled retirement Resources: Email: scott@mindswitch.ca Scott on LinkedIn Mind Switch Website 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
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Jan 30, 2023 • 25min

46: Where are markets going? Our colleagues answer to this

Do you ever find yourself asking, “Where are the markets going? Are they going up? Are they going down? When will things change?” In this episode Caleb and Riley are joined by Joey Lam, a co-founder of InvestorDNA. Joey has been in financial services since 2008. He has had various roles over the years advising clients on their money. Joey is liaison between the portfolio management team and our clients. Investing can be complex and technical and Joey helps clients make informed investment decisions. Learn more about: A way to answer this question that places some control back into your life How to find accept and find peace in fact that markets will never be controllable Why you may never ask the “where are markets going” question ever again 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
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Jan 23, 2023 • 56min

45: Kate Bahen: A guide to giving with impact

Kate Bahen, managing director of Charity Intelligence (CI) joins Caleb and Riley to discuss how her work can help us make more impactful charitable gifts. Kate and her team research and post reports on over 800 Canadian Charities. They essentially hold charities accountable for the generous support they receive and expect them to be financially transparent. They also highlight exorbitant overhead costs, or charities that don’t need more funding, and ultimately measure a charity’s effectiveness. Learn more about: How you can multiply the impact of your charitable giving by up to 7x Reducing uncertainty about whether your gifts actually have an impact The top 10 charities in Canada and the impact they are having Memorable Quotes: “It’s not just good to be a worthy cause anymore“ Resources: Website CharityIntelligence.ca Twitter @CharityCanada Charity Intelligence’s 2022 Top 100 Charities 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
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Jan 16, 2023 • 35min

44: Cracking the Code to Happiness in the Second Half of Life

Caleb and Riley discuss the strivers curse and how our intelligence transitions as we age and enter retirement. Research shows that at age 70 our happiness levels dramatically, for some they increase and others they decrease. Why is this? The authors found that it depends on how well we adapt to losing our ‘fluid intelligence’ and understanding our ‘crystallized intelligence’. For retirees that are able to tap into their resources of crystallized intelligence, it because a retirement super-power. Learn more about: Real people that cling to the first half of life and failed to find success in the second half of life. Recognizing which forms of intelligence should be nurtured, and which forms of intelligence can be let go The strivers curse and discovering a new avenue to achieve happiness Memorable Quotes: “Research shows that average happiness over an adult lifespan falls very gradually from the early twenties to our early fifties. And then it turns around and it begins to increase a lot until age 70.“ “We find that most early geniuses, peak in terms of our productive capacity, creative, innovative, efficiency peak at age 39. Most classical music composers peak at around age 39, surgeons, lawyers, engineers, you name it. Then they go into decline.” “Good relationships keep us healthier and happier. Close relationships, even more than money or fame, are what keep people happy throughout their lives” Resources: Harvard: Good genes are nice, but joy is better Robert Waldinger: What makes a good life? Lessons from the longest study on happiness | TED 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
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Jan 9, 2023 • 50min

43: Lysa Dixon: The surprising possibilities and benefits found in Co-housing

Caleb and Riley are joined by Lysa Dixon, from her cohousing community in Vancouver. Cohousing represents a unique way of living, for all ages, but especially for those heading into or in retirement. What is cohousing? It’s hard to describe, but think condo + dorm + seniors home. Not only does Lysa live in a cohousing community, she helps develop them. Don’t be surprised if by the end of this episode Lysa has you convinced that cohousing is the way to go. Learn more about: Cohousing, what it is, what it isn’t and what makes it unique The experiences and stories from someone living in cohousing community What it takes to start your own cohousing development Resources: Canadian Cohousing Network Little Mountain Cohousing Lysa Dixon Lysa’s email: lysa@averbachmortgages.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
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Jan 2, 2023 • 45min

42: Running Out of Money is not the Problem, Running Out of Time is

Caleb and Riley discuss new research indicating that there are three types of retirees when it comes to goal setting. Do you enjoy setting specific goals? Or do you prefer to have a more casual bucket list? Knowing our goal setting preferences can help us achieve the fulfilling and robust retirement we hope to have. Learn more about: Shifting your perspective away from focusing on money and instead to a focus on time A goal setting framework to help you in adopting this perspective shift The three retirement profiles and how to use your profile to optimize your retirement Memorable Quotes: “A retirement that focuses on only not running out of money, and forgets to make sure they don’t run out of time, I believe is a rubbish retirement.“ “A question I like to ask myself when setting goals is, ‘What is the one project I can do in each area that would make everything else easier or unnecessary’.” Resources: Watch the 2022 John Lewis Christmas commercial video clip 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
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Dec 26, 2022 • 56min

41: Tontines! Part 2: Fraser Stark: Spend without fear using the Longevity Fund by Purpose

Caleb and Riley are discussing tontines again. But this time they are joined by Fraser Stark, President of the Longevity Retirement Platform at Purpose Financial. Fraser and his team are the first to launch an income-for-life mutual fund designed for Canadians in retirement. It’s not exactly a tontine, but it’s close! What is a tontine? Listen to episode #37 where we talk all about tontines and how they represent a new retirement innovation happening in Canada that we are really excited about. Learn more about: The nasty retirement problem we all face and how innovation at Purpose is solving it in a very unique way Stories from Longevity Fund investors on why they chose to use the Longevity Fund in their retirement Whether a tontine like fund would enhance your retirement income strategy Resources: Longevity Pension Fund Fraser Start on LinkedIn 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
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Dec 19, 2022 • 41min

40: The Four Phases of Your Retirement Journey

Caleb and Riley discuss new research that highlights four phases retirees go through in retirement. The researchers found that our experiences, priorities, and attitudes tend to change and evolve as we transition through each phase. Join us as we unpack these phases and understand them so that we head into retirement with more curiosity and a sense of adventure to explore new possibilities. Learn more about: The four retirement phases and how to pinpoint where you are on the retirement journey timeline so you can be prepared for what is coming next How to get unstuck and reach greater success and fulfillment if you are feeling that retirement just isn’t working out right Enhancing your retirement by knowing what is most important to focus on in each retirement phase Memorable Quotes: “During our working years, most people view retirement as a destination, a milestone in life they look forward to with excitement and perhaps a bit of agitation. Once we progress throughout retirement, retirees discover retirement is far more than that: It’s a new journey, a potentially lengthy new chapter of life full of both challenges and opportunities.” “As you transition through each phase, give yourself time to adjust, then reflect on how it feels and what may or may not be working for you.“ “Even in phase 4, retirees continue to lead active, enjoyable, and satisfying lives. Among retirees in this phase of retirement, 92% look back on life with deep gratitude, 83% say they have grown more resilient, and 84% still say they are looking forward to the years ahead.“ Resources: Many Canadians are rethinking what retirement means to them' Longevity and the New journal of Retirement 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
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Dec 12, 2022 • 41min

39: Inheritance Debate: Giving While Living vs Giving at Death

The question Caleb and Riley want to answer today is: Should you plan to leave an inheritance, and if so, should you plan to give your wealth away now, while you are alive, or at death? You may know ‘who’ you want to gift money to, or who you want to inherit any wealth, but it’s uncommon for people to know ‘when’ they would like the wealth transfer to happen. Should you wait till death, or is giving while your alive (a living inheritance) a path to a more robust retirement? Listen in to hear the debate. Learn more about: The history of inheritance’s and how retirees are viewing there value today Pros and cons of leaving your inheritance now, or at death, or over time while you are alive What Warren Buffet and other financial thought leaders have to say about leaving an inheritance Memorable Quotes: “By leaving inheritance while your living, your family and friends will enjoy it more while they’re younger and healthier and need it. You get to see how your gift changes and improves their lives while you’re still alive.“ “Giving now can solve today problems. There is this ability to deliver on the certainty of helping when help is needed by giving today, versus leaving it up to chance upon death “where the gift may or may not be impactful” “Early Giving Can Create Family Drama If you have more than one child, will early giving spur bad feelings? For example, you might want to give each child an equal share, but if their needs are unequal, those less well-off might resent “unneeded” money going to their wealthier siblings.“ Resources: Lessons in Estate Planning from Warren Buffett Giving Money to the Kids Safely How Warren Buffett’s son spent the $90,000 of Berkshire stock he got at 19—worth $200 million now: ‘I don’t regret it’ Warren Buffet, Kevin O’Leary and Other Millionaires are Concerned About Inheritances 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

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