Costly Mistakes that Retirees Make About Government Benefits

Retirement planning can be complex, but few aspects are as critical as understanding your government benefits. In this episode of Heart of Your Money, we’re tackling four costly mistakes that could be diminishing your retirement income. From underestimating the true value of CPP and OAS to getting blindsided by the…

The New Retirement Reality

The retirement landscape has transformed dramatically over the past few decades. Gone are the days when you could count on working for one company, receiving a comfortable pension, and settling into a predictable retirement routine. Today’s new retirement reality demands a different approach—one that acknowledges longer lifespans, changing work patterns,…

Creating Happiness in Retirement

In my latest episode of “”The Heart of Your Money,”” I dive into a topic close to my heart: happiness in retirement. I’ve learned that it’s about so much more than just financial security—it’s about creating a fulfilling life after your working years.  Drawing from the renowned Harvard Study of…

Your Guide to Staying Safe Online Part 2 with RCMP Officer Brian Ferguson

In this eye-opening episode of our podcast, we dive deep into the world of online safety with RCMP Officer Brian Ferguson. Consider this your ultimate guide to staying safe online.  Brian shares invaluable insights on protecting yourself from cyber threats, including the importance of regular password changes, the risks of…

How To Save For a House with Nicole Putz

Wondering how to save for your first home? In this episode, Nicole Putz and I discuss the first-time homeowner savings account and other practical tools to leverage when navigating today’s challenging real estate market. Here’s what we’re chatting about: Embrace Long-Term Planning for Homeownership: The landscape of homeownership has shifted…

Should You Get a Part-Time Job in Retirement?

Curious about whether a part-time job in retirement is right for you? In this episode of the Heart of Your Money podcast, we dive into the emotional and financial considerations of working part-time after retirement. Whether you’re looking for a sense of purpose, a financial buffer, or simply exploring your…

Should You Wait to Take CPP When You Retire Early?

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…

Why Our Last 2 Clients Came to Us

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…