This is an online session. The material is available 24 hours a day, 7 days a week, beginning IMMEDIATELY. Once registered, you can access the material at any time. However, you will only have access to the course for thirty days after REGISTRATION.

The stock market crash of 2008 has proven one thing: traditional retirement planning advice is way too risky. Trusting the stock market is like gambling with a family’s future. But how does one plan for retirement without the possibility of losing up to 50 per cent of their investment value within a matter of months?

The simple truth is that it is possible to retire financially well using guaranteed, safe fixed-income products like GICs that can never decline in value combined with government defined benefit pension plans including CPP and OAS. This course will detail the non-traditional view to money management that many investment advisors don’t want to talk about.


  • Stock market versus GIC returns. We’ll look at historical S+P TSX Composite Index returns versus plain old safe GICs over the last 50 years. Find out who wins and by how much.
  • The laddered GIC Strategy. Explore how to use a strategy of rolling over shorter term GICs to five-year GICs to maximize your retirement savings with zero risk.
  • CPP. Learn how to use a simple check-list to help you decide when to elect to start receiving CPP (as early as age 60) incorporating the new rules regarding the early election penalties, etc.
  • Can anything beat an RRSP? Compare equity investing inside RRSPs vs outside in a regular investment account, TFSAs, rental properties and retaining earnings in a corporation.
  • Getting out of mutual funds. Learn why mutual funds are simply too expensive in Canada and how to get out of them as quickly and painlessly as possible as well as what the low-cost alternatives are (ETFs).
  • The “Tax Turbo-Charged RRSP” strategy. Work through a spreadsheet to compare the traditional advice to invest in RRSPs early, to waiting until later in life, when all debt is gone. It may be possible to beat the old way by starting late and using 100% safe GICs using all that unused RRSP room that has built up over the years.


Those interested in helping their friends, family and clients to retire well without having to take risks.