{"id":94643,"date":"2025-06-10T13:20:44","date_gmt":"2025-06-10T17:20:44","guid":{"rendered":""},"modified":"2025-06-10T13:20:45","modified_gmt":"2025-06-10T17:20:45","slug":"retirement-and-financial-planning-its-easier-than-you-might-think","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/drive\/retirement-and-financial-planning-its-easier-than-you-might-think\/","title":{"rendered":"Retirement and Financial Planning: It&#8217;s Easier Than You Might Think"},"content":{"rendered":"\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\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Many Canadians approach retirement wishing they had saved more and planned more. Instead of dwelling on your regrets, take control of what you can today.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Retirement is an individual experience \u2013 you have the power to define what it looks like for you.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Financial advisors can help you save, plan and maximize your income in retirement \u2013 it\u2019s worth turning to an expert for guidance.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>No matter what stage of life you\u2019re in, talking about money is rarely easy. Students, newcomers, couples, retirees, parents and those starting over all face different money challenges, but there\u2019s one thing that\u2019s common \u2013 talking about them can make all the difference. RBC\u2019s new video series \u201cThe Drive\u201d aims to make these real-life conversations more approachable, bringing everyday Canadians together, to share in the dialogue.<\/p>\n\n\n\n<p>In this episode, Jesse Jones drives through Ottawa, Ontario with three passengers who chat about getting ready for retirement \u2013 from saving to planning to how they plan to spend their time.<\/p>\n\n\n\n<p>Retirement sparks a mix of emotions in Canadians: excitement, joy, uncertainty and sometimes fear. If you\u2019re worried, you\u2019re not alone. A recent survey found that 61% of Canadians fear running out of money in retirement. Many also worry about getting bored after leaving the workforce.<\/p>\n\n\n\n<p>But retirement doesn\u2019t have to be daunting. Whether it\u2019s right around the corner or years away, you can approach it with confidence and purpose. Here\u2019s how:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-don-t-dwell-on-your-regrets\">Don\u2019t dwell on your regrets<\/h2>\n\n\n\n<p>It\u2019s easy to look back and wish you had saved more, invested earlier or made different choices. But rather than dwelling on the past, focus on&nbsp;where you are today and what you can do now&nbsp;to improve your financial outlook.<\/p>\n\n\n\n<p>If you\u2019re concerned about coming up short, consider:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Delaying retirement&nbsp;\u2013 Working a few extra years can boost savings, increase CPP benefits, and shorten the time your savings need to last.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Downsizing or relocating&nbsp;\u2013 If housing is your biggest expense, moving to a smaller home or lower-cost area can free up funds.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Adjusting spending&nbsp;\u2013 Small changes in discretionary spending\u2014like cutting back on unnecessary subscriptions\u2014can make a big difference.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Paying down debt&nbsp;\u2013 Entering retirement with less debt means fewer financial obligations eating into your savings.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Optimizing investments&nbsp;\u2013 Are your investments set up to continue growing your money? Keep in mind, retirement may last 30 years or so \u2013 you want your investments working hard for you along the way.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-know-that-retirement-isn-t-one-size-fits-all\">Know that retirement isn\u2019t one-size-fits-all<\/h2>\n\n\n\n<p>Forget the outdated image of retirement as endless golf games and winters in Florida. Your retirement should reflect your lifestyle, values and interests.<\/p>\n\n\n\n<p>More Canadians are choosing to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Work part-time to stay active and supplement their income.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Start passion projects or businesses that bring fulfillment without financial pressure.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Volunteer to stay connected and make a difference in their communities.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item mar-l mob-mar-l\">\n<p>Travel, garden, or spend more time with family \u2013 whatever feels most rewarding.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>The key is to build a retirement plan that aligns with what truly matters to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-lean-on-experts-for-support\">Lean on experts for support<\/h2>\n\n\n\n<p>Financial planning isn\u2019t just for the wealthy \u2013 it\u2019s for anyone who wants to feel confident about their future.<\/p>\n\n\n\n<p>Did you know? <a href=\"https:\/\/www.rbcroyalbank.com\/investments\/_assets-custom\/pdf\/the-value-of-working-with-a-financial-advisor.pdf\" data-dig-id=\"LP-94643-23de66cf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Research shows\" class=\"rbc-link-format\">Research shows<\/a> that investors who work with an advisor have almost four times the assets of investors who don\u2019t over a 15-year period. 80 percent of investors say their advisor has helped them save and more than three-quarters of those who use an advisor have a positive sense of well-being.<\/p>\n\n\n\n<p>A financial advisor can help you build a savings and investment strategy tailored to your goals, create a retirement income plan so your money lasts and present ideas that consider taxes, your estate plan and long-term care contingencies. Plus, they can help you navigate government benefits like CPP, OAS, and GIS, so you can maximize them throughout your retirement.<\/p>\n\n\n\n<p>Retirement isn\u2019t something to fear\u2014it\u2019s an opportunity to shape a life that\u2019s fulfilling and financially secure. The sooner you start planning (or adjusting your plan), the more control you have over your future.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/retirement\/planning-for-retirement\/\" data-dig-id=\"LP-94643-aa0741dc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Read more\" class=\"rbc-link-format\">Read more<\/a> on how to plan for retirement<\/p>\n<\/div>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>The idea of retirement can be scary for Canadians who fear running out of money or becoming bored when out of the workforce. But it doesn\u2019t have to be that way. Here\u2019s how.<\/p>\n","protected":false},"author":319,"featured_media":94648,"parent":94385,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[143,536,92],"rbc_content_type":[147],"rbc_audience":[261,110,231,59,39,300,93,49,61],"rbc_lob_group":[506],"rbc_difficulty_level":[33],"rbc_mmm_category":[303,352,313,582],"class_list":["post-94643","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-pension","tag-retirement","tag-rrsp","rbc_content_type-video","rbc_audience-black","rbc_audience-business-owners","rbc_audience-indigenous","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-relationships","rbc_audience-seniors","rbc_audience-students","rbc_audience-youth","rbc_lob_group-ways-to-bank","rbc_difficulty_level-beginner","rbc_mmm_category-goals-aspirations","rbc_mmm_category-planning-for-retirement","rbc_mmm_category-retirement","rbc_mmm_category-drive"],"acf":{"contently_publication_id":"","custom_author":"Diane Amato","rbc_video_header":"https:\/\/youtu.be\/1e2l-21Y_Sg","rbc_media_duration":"4:42","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":"Generate Table Of Contents"},"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 idea of retirement can be scary for Canadians who fear running out of money or becoming bored when out of the workforce. 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