{"id":57814,"date":"2024-05-13T14:42:12","date_gmt":"2024-05-13T18:42:12","guid":{"rendered":""},"modified":"2024-05-17T12:22:55","modified_gmt":"2024-05-17T16:22:55","slug":"where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/","title":{"rendered":"Where Will You Live in Retirement? Four Things to Consider When Aging in Place"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\">\n\t\t\t\t\t\t\t<span>Real Estate<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Where Will You Live in Retirement? Four Things to Consider When Aging in Place<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Where Will You Live in Retirement? Four Things to Consider When Aging in Place &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published May 13, 2024 \u2022 6 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>This article originally appeared on <a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\" data-dig-id=\"LP-57814-6164001c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Wealth Management.\" class=\"rbc-link-format\">RBC Wealth Management.<\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p>Aging is a topic we tend to avoid. Culturally, it&#8217;s a conversation that&#8217;s tip-toed around by families who don&#8217;t want to think about\u2014or plan for\u2014when loved ones head into retirement or beyond.<\/p>\n\n\n\n<p>A <a href=\"https:\/\/www.niageing.ca\/commentary-posts\/2020\/9\/22\/why-better-preventing-falls-will-be-key-to-helping-us-age-in-our-places-of-choice\" data-dig-id=\"LP-57814-9628c473\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"recent survey\" class=\"rbc-link-format\">recent survey<\/a> by the National Institute on Ageing and TELUS Health found nearly 100 percent of Canadians 65 years of age and older say they&#8217;ll do whatever they can to age at home. But nearly a third (30 percent) of that same group say they don&#8217;t feel prepared\u2014especially in the event of a medical emergency.<\/p>\n\n\n\n<p>Michael Nicin, executive director of the NIA, calls it an \u201cawakening amongst Canadians&#8221; and explains the time is now to make plans and have conversations with their families about what aging at home could look like. &#8220;There&#8217;s no doubt people are starting to take it much more seriously than they ever have.&#8221;<\/p>\n\n\n\n<p>Bonnie-Jeanne MacDonald, actuary and director of financial security at the NIA, explains that \u201cwhen it comes to retirement planning, we know that Canadians want to sustain their living standards as they move into retirement, and we also know that they want to age independently in their own homes. This is why retiring Canadians need to think through the long-term implications of their financial decisions \u2013 including how these decisions will support their goals decades from now.&#8221;<\/p>\n\n\n\n<p>Having the conversation about what aging at home could look like is a start, says Howard Kabot, vice president of financial planning at RBC Wealth Management. But, it&#8217;s also important to have a plan that addresses major costs, like housing and managing health concerns while spending the golden days of retirement at home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Plan for the unexpected<\/h2>\n\n\n\n<p>\u201cA good financial plan will properly address the risks that exist,&#8221; says Kabot. Insurance may form part of the solution\u2013from critical care and disability to property insurance. \u201c[But another] part of it is trying to help clients understand the impact of growing older and what that could mean in terms of how they&#8217;re going to conduct their lives.&#8221;<\/p>\n\n\n\n<p>The considerations are broad. \u201cOn the positive, it&#8217;s all about how they&#8217;re going to enjoy their retirement years and spend their money,&#8221; says Kabot. But aging at home also calls on older Canadians to consider where home is. Maybe a vacation home somewhere warm sounds enticing. But, how important is proximity to family? And what about access to transit or necessities\u2014the sorts of things that are hard to access should you stop driving. \u201cIf there&#8217;s a medical issue, then obviously family can be a really important part of the support.&#8221;<\/p>\n\n\n\n<p>He points to a personal experience with a family member facing extreme illness, where estimated annual expenses were around $170,000 for 24-hour care. It&#8217;s a devastating prospect, says Kabot. \u201cAnd there&#8217;s only so much in the way of government resources.&#8221; He admits it&#8217;s the worst-case scenario, but one that illuminates the importance of having a financial plan in place and family nearby.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/people\/leanne-kaufman\" data-dig-id=\"LP-57814-f6f3bfea\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Leanne Kaufman\" class=\"rbc-link-format\">Leanne Kaufman<\/a>, president and CEO of RBC Royal Trust, agrees that planning for the unexpected is crucial to ensuring peace of mind in your later years. \u201cWhile family can help with managing your healthcare needs, consider a corporate attorney for property to manage your financial needs in the case of incapacity,&#8221; says Kaufman.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Cost of ownership<\/h2>\n\n\n\n<p>There are also considerations surrounding your actual home.<\/p>\n\n\n\n<p>\u201cConventional and longstanding financial planning wisdom advises retiring Canadians to ensure their level of secure income (from CPP, OAS, workplace DB pension plans and annuities) is high enough to cover essential expenses such as housing, food and utilities,&#8221; says MacDonald. \u201cThis would enable Canadians to sustain their living standards into later life despite the ups and downs of the financial market.&#8221;<\/p>\n\n\n\n<p>Just one or two generations ago, many Canadians owned their own home when they entered retirement, says Nicin. But that&#8217;s shifted, he explains, and fewer Canadians are retiring mortgage-free.<\/p>\n\n\n\n<p>\u201cOn average, the median personal savings of Canadians heading into retirement is about $160,000 total,&#8221; adds Nicin. It&#8217;s enough to cover the basics when you add government support programs and the Canada Pension Plan, but what about replacing a roof or leaky windows, and the unexpected costs that come with homeownership?<\/p>\n\n\n\n<p>\u201cIf you want to age at home, then you&#8217;ve got to understand that the expenses may be heavy,&#8221; says Kabot. It&#8217;s something your financial advisor can model within a detailed financial plan, but the point is being prepared. He says if it&#8217;s going to put a strain on your living income in retirement, it&#8217;s better to know that now.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3. Understand the alternatives<\/h2>\n\n\n\n<p>Nicin is quick to point out that seeing aging in the home as an either\/or scenario does a disservice to the realities of getting older. \u201cThere&#8217;s a spectrum of needs,&#8221; says Nicin. \u201cIn Canada, the most technical definition of long-term care is nursing homes, but if you look at international models\u2014countries that have approached this subject much better\u2014their definition of long-term care represents the spectrum of housing and care options.&#8221;<\/p>\n\n\n\n<p>There are plenty of options that exist in Canada, like leisure (or lifestyle) oriented retirement communities or micro-communities and naturally occurring retirement communities. These options are worth exploring when you start getting that \u201cempty nester&#8221; feeling or itch to downsize. Among the companionship that comes with living close to peers in one of these communities, the homeowner&#8217;s association costs can sometimes include things like external maintenance, says Nicin. \u201cSo at least you don&#8217;t have to worry about it.&#8221;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Start the conversation with loved ones<\/h2>\n\n\n\n<p>The point, says Nicin, is that aging at home doesn&#8217;t have to look one way. For all the considerations, there are also options. \u201cI think for a lot of people, the important aspect is really taking the agency to say &#8216;I&#8217;m in control of my life,'&#8221; says Nicin. \u201cAnd long-term care, nursing homes, are absolutely necessary components of this spectrum.&#8221;<\/p>\n\n\n\n<p>It&#8217;s a part of the journey of aging, he says. It&#8217;s a progression. \u201cMost people don&#8217;t go straight from their home into a long-term care home,&#8221; says Nicin. \u201cBut I think the people who probably feel the best about how they plan to do this are taking necessary steps incrementally to make sure each stage of their life is managed with regard to where they live.&#8221;<\/p>\n\n\n\n<p>\u201cWe&#8217;ve seen first hand the after-effects of poor planning,&#8221; adds Kaufman. \u201cWhile income is a key driver to address your needs during your lifetime, ensuring the fundamental planning is in place and supported by proper power of attorney appointments and Will planning will better protect you and your loved ones.&#8221;<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-text-align-center\" id=\"h-not-sure-how-to-get-started-let-us-guide-you\">Not sure how to get started? Let us guide you.<\/h3>\n\n\n\n<p class=\"has-text-align-center\">Contact one of our skilled RBC Royal Trust professionals to find out more about the right services for you.<\/p>\n\n\n\n<p class=\"has-text-align-center\">By phone:&nbsp;<a href=\"tel:18558336511\">1-855-833-6511<\/a>&nbsp;or&nbsp;<a href=\"https:\/\/contact.rbcwealthmanagement.com\/royaltrust\/en\/?icam=barber&amp;_ga=2.48702374.1884551064.1624025826-1056391603.1622737834\" data-dig-id=\"LP-57814-b9198470\" data-dig-label=\"let us contact you\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">let us contact you<\/a>.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e5a2e70c-08aa-4ad3-9991-f9abe6edde3c\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Where Will You Live in Retirement? Four Things to Consider When Aging in Place &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-74aa9869-4b4f-4217-8f31-11511f5232bb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/community\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Community<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/protecting-wealth\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Protecting Wealth<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/real-estate\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Real Estate<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Middle-aged couple walking dog while reflecting on retirement savings and future financial security; image representing retirement readiness planning\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=2048,1365 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/behind-on-retirement-savings-what-to-do-now\/\" class=\"card-title h4 mar-t-0\">Behind on retirement savings? What to do now.<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"662\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Adult children and retired parents sitting together on a couch showing how to talk to aging parents about money in a comfortable, collaborative setting.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg 6644w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=300,194 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=768,496 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1024,662 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1536,993 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=2048,1324 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/how-to-talk-to-aging-parents-about-money\/\" class=\"card-title h4 mar-t-0\">How to Talk to Aging Parents About Money<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Young couple using the laptop in the bed at home\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg 3864w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/01\/The-Million-dollar-retirement.jpg?resize=2048,1366 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\">\n\t\t\t\t\t\tPlanning for Retirement\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/million-dollar-myth\/\" class=\"card-title h4 mar-t-0\">How Much Do You Really Need to Retire Comfortably in Canada? Debunking the Million Dollar Myth<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-e5a2e70c-08aa-4ad3-9991-f9abe6edde3c {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-e5a2e70c-08aa-4ad3-9991-f9abe6edde3c {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-74aa9869-4b4f-4217-8f31-11511f5232bb {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-74aa9869-4b4f-4217-8f31-11511f5232bb {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>The time is now to make plans and have conversations with families about what aging at home could look like.<\/p>\n","protected":false},"author":10,"featured_media":68091,"parent":57299,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[167,97,60],"rbc_content_type":[31],"rbc_audience":[93],"rbc_lob_group":[35],"rbc_difficulty_level":[33],"rbc_mmm_category":[318,367,303,304,352,313,354],"class_list":["post-57814","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-community","tag-protecting-wealth","tag-real-estate","rbc_content_type-article","rbc_audience-seniors","rbc_lob_group-business","rbc_difficulty_level-beginner","rbc_mmm_category-banking-basics","rbc_mmm_category-budgeting","rbc_mmm_category-goals-aspirations","rbc_mmm_category-money-academy","rbc_mmm_category-planning-for-retirement","rbc_mmm_category-retirement","rbc_mmm_category-will-and-estate-planning"],"acf":{"contently_publication_id":"293001","custom_author":"RBC","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"The time is now to make plans and have conversations with families about what aging at home could look like.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"The time is now to make plans and have conversations with families about what aging at home could look like.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\" \/>\n<meta property=\"og:site_name\" content=\"RBC Royal Bank\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-17T16:22:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Thumbnail-default-617-1.jpg?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"930\" \/>\n\t<meta property=\"og:image:height\" content=\"620\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/where-will-you-live-in-retirement-four-things-to-consider-when-aging-in-place\/\"},\"author\":{\"name\":\"RBC\",\"@id\":\"https:\/\/www.rbcroyalbank.com\/en-ca\/#\/schema\/person\/565fe74483a298c05d1be363c890c7b0\"},\"headline\":\"Where Will You Live in Retirement? 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