Money Architect @MoneyArchFP

At first, financial planning is all about money and numbers. But ultimately, it’s about contentment. Russell J. Sawatsky CFP® Owner | Financial Planner moneyarchitect.ca London, Ontario Joined April 2019

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Money Architect @MoneyArchFP

2 weeks ago

#OAS is no longer just a quiet background retirement benefit. Should it be expanded, more tightly targeted, or refocused on reducing senior poverty? My new post asks a simpler question: What is OAS for? moneyarchitect.ca/old-age-securi… #RetirementPlanning #OldAgeSecurity

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Money Architect @MoneyArchFP

3 weeks ago

Are defined contribution pension plans making a comeback? A recent Financial Post article asks that very question. Maybe. But are we measuring the right thing? moneyarchitect.ca/the-revenge-of… #Retirement #Pensions

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Money Architect @MoneyArchFP

2 months ago

@MarkMcGrathCFP @OptimizedPort @HML_Compounder @jasonpereira @Luke_Swanson_ Exactly.

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Money Architect @MoneyArchFP

6 months ago

A $1,000,000 #lottery win seems like an easy choice. Take the lump sum, right? Not necessarily. #Inflation, #longevity, #behaviour, and #risk complicate the decision more than we realize. I walk through the pros and cons in my latest blog post: moneyarchitect.ca/she-chose-1000…

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Money Architect @MoneyArchFP

6 months ago

#Retirement income reform in Canada is not just about demographics and dollars. It is also about moral judgement, responsibility, and policy design for real people. My latest blog post reflects on CPP, OAS, GIS, and dignity in aging. #FinancialPlanning moneyarchitect.ca/retirement-inc…

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Money Architect @MoneyArchFP

6 months ago

@AaronHectorCFP We have a daughter born in late December, so she was definitely the youngest or nearly so, in her classes through the years. She did well in school but I wonder if, in your twins scenario, the more common choice would be to delay into the new year.

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Money Architect @MoneyArchFP

6 months ago

@AaronHectorCFP I appreciate that this is a financial/benefits discussion, but my first thought was about the school age cohort. The child born before midnight will be the youngest in their class, the child born after midnight, the oldest.

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Money Architect @MoneyArchFP

6 months ago

I don't actually fish... this is an update on my financial planning practice and plans for retirement by the end of 2026. I explain what’s changing and how I’m thinking about continuity and client care. moneyarchitect.ca/an-update-on-m… #FinancialPlanning #AdviceOnly #MoneyArchitect

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Money Architect @MoneyArchFP

6 months ago

@JasonWattBCC I’m so sorry to hear this, Jason.

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Money Architect @MoneyArchFP

7 months ago

@SteveMoneyCoach Going by my recollection of something @benjaminfelix said re: 100% equity portfolio. When markets are down, you withdraw less. Or, to draw on Michael Kitces, IIRC, you forgo your inflation-based increase in withdrawals in years when markets are down. Not sure that would sell.

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Money Architect @MoneyArchFP

7 months ago

Why do Canadians often use a #cashwedge while American investors rarely mention them? What should you do when you #retire? My latest blog post digs into the differences. moneyarchitect.ca/do-you-really-… #adviceonly #FinancialPlanning #investmentplanning #retirementPlanning

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Money Architect @MoneyArchFP

7 months ago

@SteveMoneyCoach Thanks, Steve. I tend to view allocations as matching risk to the time horizon. Short-term needs are addressed via cash holdings. However, there is academic research that suggests holding a 100% equity portfolio throughout one's life! Not sure many retirees could handle that!

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Money Architect @MoneyArchFP

7 months ago

#RRIF minimum withdrawals have no automatic withholding. My new blog post explains why withholding matters and how to choose an amount that keeps CRA instalments at bay. #RetirementPlanning #AdviceOnly moneyarchitect.ca/how-much-tax-s…

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Money Architect @MoneyArchFP

8 months ago

@BenRabidoux @MichelleRempel My wife and my oldest daughter are foreign-born mothers. Can’t follow you on this. Even if birthright citizenship has its problems, I prefer it remain our practice.

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Money Architect @MoneyArchFP

8 months ago

@grape_one I’m sorry that has been your experience. If using the Safari browser on an iPhone, the Reader setting improves readability significantly. There may be other settings you adjust.

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Money Architect @MoneyArchFP

8 months ago

When markets rise sharply, it’s easy to “let your winners run.” But when volatility returns, confidence fades fast. My latest blog post explores how disciplined #rebalancing helps manage #risk and #emotion in #investing. Read more here: moneyarchitect.ca/risk-managemen… #adviceonly

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Money Architect @MoneyArchFP

8 months ago

@LoonieDoctor Thanks for your comments. The social media posts are precisely what prompted this blog article. I should have mentioned gold, too, though…

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Money Architect @MoneyArchFP

8 months ago

Many "index investors" behave like stock pickers, chasing yield, sectors, or the next hot ETF. True index investing is about owning the whole market, not finding the perfect slice of it. Read my latest blog post for more: moneyarchitect.ca/why-index-inve… #adviceonly #FinancialPlanning