{"id":22522,"date":"2023-08-03T00:00:00","date_gmt":"2023-08-03T00:00:00","guid":{"rendered":""},"modified":"2024-03-06T18:42:40","modified_gmt":"2024-03-06T18:42:40","slug":"il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/serie-go-to-grandma-avec-kathy-buckworth\/il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite\/","title":{"rendered":"Il n&rsquo;est jamais trop t\u00f4t \u2014 ni trop tard \u2014 pour commencer \u00e0 planifier sa retraite"},"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\/fr-ca\/mes-finances-dabord\/sujets\/communaute\/\">\n\t\t\t\t\t\t\t<span>Communaut\u00e9<\/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\">Il n&rsquo;est jamais trop t\u00f4t \u2014 ni trop tard \u2014 pour commencer \u00e0 planifier sa retraite<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Diane Amato<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-14T125958.519.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Deux personnes naviguent en planche \u00e0 pagaie sur un lac entour\u00e9 de paysages de montagne.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-14T125958.519.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-14T125958.519.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2022-10-14T125958.519.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=Il n&rsquo;est jamais trop t\u00f4t \u2014 ni trop tard \u2014 pour commencer \u00e0 planifier sa retraite &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/serie-go-to-grandma-avec-kathy-buckworth\/il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/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\/fr-ca\/mes-finances-dabord\/serie-go-to-grandma-avec-kathy-buckworth\/il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/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 3 ao\u00fbt 2023 \u2022 4 min de lecture<\/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>La retraite n&rsquo;est pas qu&rsquo;une simple question d&rsquo;argent. Au-del\u00e0 du confort financier, la retraite offre plus d&rsquo;occasions de faire ce que vous aimez le plus. \u00ab La retraite n&rsquo;est pas une fin en soi \u2014 c&rsquo;est un nouveau d\u00e9part, d\u00e9clare Peter Hoy qui a troqu\u00e9 son bureau traditionnel contre un nouveau mode de vie sous le signe de l&rsquo;eau, du b\u00e9n\u00e9volat, de l&rsquo;enseignement et de temps de qualit\u00e9 avec sa famille.<\/p>\n\n\n\n<p>\u00c9coutez l&rsquo;\u00e9pisode <em>Go-To Grandma<\/em> (\u00e0 partir de la 20e minute) intitul\u00e9 \u00ab Intelligent: Life \u00bb de la s\u00e9rie de balados <em>5 minutes avec RBC <\/em>pour en savoir plus sur la retraite de Peter Hoy.<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"2505\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1.jpg?w=300\" alt=\"Kathy Buckworth\" class=\"wp-image-22523\" style=\"aspect-ratio:1.023890784982935;width:246px;height:auto\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1.jpg 2560w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1-300x294.jpg 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1-1024x1002.jpg 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1-768x752.jpg 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1-1536x1503.jpg 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/K_Buckworth_headshot_2019_colour_stand-1-scaled-1-2048x2004.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure>\n\n\n\n<p>Voici les conseils de M. Hoy pour choisir ce que vous ferez \u00e0 la retraite et profiter pleinement de celle-ci.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<p><iframe style=\"width: 100%;max-width: 660px;overflow: hidden;border-radius: 10px\" src=\"https:\/\/embed.podcasts.apple.com\/ca\/podcast\/intelligent-life\/id1580996085?i=1000577013626\" title=\"Intelligent Life\" height=\"175\" frameborder=\"0\"><\/iframe><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\" \/>\n\n\n\n<h2 class=\"wp-block-heading\">Trouvez ce qui vous passionne<\/h2>\n\n\n\n<p>La vie passe tellement vite. M. Hoy trouvait que sa vie de travailleur pr\u00e9sentait d&rsquo;importantes lacunes \u00e0 certains \u00e9gards \u2014 surtout passer du temps avec sa famille et s&rsquo;adonner \u00e0 ses deux autres passions : faire des sports de pagaie et redonner \u00e0 la communaut\u00e9.<\/p>\n\n\n\n<p>\u00c0 la retraite, il se consacre sur ce qui compte le plus pour lui \u2014 du coup, son nouveau mode de vie s&rsquo;est av\u00e9r\u00e9 \u00eatre une formidable exp\u00e9rience jusqu&rsquo;\u00e0 pr\u00e9sent, selon ses dires. Pour obtenir le m\u00eame sentiment d&rsquo;accomplissement ou de satisfaction, il sugg\u00e8re d&rsquo;explorer vos passions. \u00ab La retraite est un autre chapitre de votre vie, d\u00e9clare-t-il. C&rsquo;est une suite qui vous permet de r\u00e9aliser un r\u00eave ou une passion. \u00bb Il vous encourage aussi \u00e0 adopter une d\u00e9marche globale. \u00ab Ne vous imposez pas de limites. Faites preuve de curiosit\u00e9 et trouvez une activit\u00e9 \u2014 tr\u00e8s audacieuse ou tr\u00e8s modeste \u2014 qui vous est propre. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ayez un plan financier solide<\/h2>\n\n\n\n<p>M. Hoy souligne la n\u00e9cessit\u00e9 de planifier sa retraite et de faire appel \u00e0 un bon conseiller en services financiers pour r\u00e9aliser sa vision de la retraite. \u00ab Notre conseiller en services financiers nous a aid\u00e9s \u00e0 \u00e9valuer notre situation financi\u00e8re sur le plan de nos sources de revenus et de nos placements, puis a fait une projection pour d\u00e9terminer combien d&rsquo;argent nous aurions besoin pour la suite de notre retraite. \u00bb Selon lui, ce fut une \u00e9tape cruciale qui leur a permis, \u00e0 lui et \u00e0 sa femme, de comprendre o\u00f9 ils se situaient sur le plan financier.<\/p>\n\n\n\n<p>Leur conseiller a ensuite \u00e9valu\u00e9 leur tol\u00e9rance au risque, leur mode de vie et leurs objectifs futurs. \u00ab Riches de ces renseignements, nous avons \u00e9labor\u00e9 un plan financier r\u00e9aliste qui nous a permis de savoir combien nous devrions d\u00e9penser ann\u00e9e apr\u00e8s ann\u00e9e \u2014 en tenant compte des impr\u00e9vus et des changements dans notre vie \u00bb, ajoute-t-il. Leur plan leur a \u00e9galement permis d&rsquo;\u00e9pargner pour leurs enfants. \u00ab Gr\u00e2ce \u00e0 notre plan financier, nous avons l&rsquo;esprit tranquille, car nous savons que notre s\u00e9curit\u00e9 financi\u00e8re est assur\u00e9e et que nous pouvons atteindre nos objectifs. \u00bb<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Prenez soin de votre sant\u00e9 physique et mentale<\/h2>\n\n\n\n<p>M. Hoy croit que la sant\u00e9 physique et mentale suit une fois qu&rsquo;on a trouv\u00e9 sa passion et \u00e9tabli un solide plan financier.<\/p>\n\n\n\n<p>\u00ab Il est tr\u00e8s important de prendre soin de sa sant\u00e9 physique et mentale \u00e0 la retraite \u00bb, pr\u00e9cise M. Hoy, qui est actif au quotidien, en pagayant pour le plaisir, en enseignant les bases de la planche \u00e0 bras \u00e0 des jeunes ou en s&rsquo;entra\u00eenant pour des courses. Sa femme et lui aiment aussi faire de la randonn\u00e9e p\u00e9destre et nager ensemble. La sant\u00e9 personnelle est une priorit\u00e9 qui, selon lui, exige une attention constante pour pouvoir vivre une longue et heureuse retraite.<\/p>\n\n\n\n<p>Peter Hoy n&rsquo;a jamais eu de difficult\u00e9 \u00e0 d\u00e9terminer ce qu&rsquo;il ferait \u00e0 la retraite. Mais pour vivre sa passion pour l&rsquo;eau et les sports de pagaie, une planification financi\u00e8re pointue \u00e9tait essentielle. \u00ab Commencez \u00e0 planifier t\u00f4t, conseille-t-il \u00e0 ceux qui approchent de la retraite, en pr\u00e9cisant que l&rsquo;aide d&rsquo;un professionnel est un ingr\u00e9dient primordial d&rsquo;un plan fructueux. Avec l&rsquo;aide appropri\u00e9e, tout est possible. \u00bb<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet 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=Il n&rsquo;est jamais trop t\u00f4t \u2014 ni trop tard \u2014 pour commencer \u00e0 planifier sa retraite &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/serie-go-to-grandma-avec-kathy-buckworth\/il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/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\/fr-ca\/mes-finances-dabord\/serie-go-to-grandma-avec-kathy-buckworth\/il-nest-jamais-trop-tot-ni-trop-tard-pour-commencer-a-planifier-sa-retraite\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/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-a6ce1325-8afe-4d2d-b382-e89aa351dff3\" 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\/fr-ca\/mes-finances-dabord\/sujets\/communaute\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Communaut\u00e9<\/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-a-lire-ensuite\">\u00c0 lire ensuite<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Couple d&#039;\u00e2ge moyen promenant un chien et r\u00e9fl\u00e9chissant \u00e0 leur \u00e9pargne-retraite et s\u00e9curit\u00e9 financi\u00e8re future ; image illustrant la planification de la pr\u00e9paration \u00e0 la retraite\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_1823396156_retirementreadiness.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/en-retard-dans-votre-epargne-retraite-voici-ce-quil-faut-faire\/\" class=\"card-title h4 mar-t-0\">En retard dans votre \u00e9pargne-retraite? Voici ce qu\u2019il faut faire.<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/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=\"Des enfants adultes et des parents retrait\u00e9s assis ensemble sur un canap\u00e9, montrant comment parler d&#039;argent avec des parents vieillissants dans un cadre confortable et collaboratif.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg 6644w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=300,194 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=768,496 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1024,662 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/shutterstock_2490670013_talking-to-aging-parents-about-money.jpg?resize=1536,993 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/comment-parler-dargent-avec-des-parents-ages\/\" class=\"card-title h4 mar-t-0\">Comment parler d\u2019argent avec des parents \u00e2g\u00e9s<\/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\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune couple utilisant l&#039;ordinateur portable au lit \u00e0 la maison\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg 3864w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/The-Million-dollar-retirement.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/\">\n\t\t\t\t\t\tPlanification de la retraite\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\/fr-ca\/mes-finances-dabord\/objectifs-et-aspirations\/retraite\/planification-de-la-retraite\/mythe-du-million-de-dollars\/\" class=\"card-title h4 mar-t-0\">Combien il faut vraiment pour s\u2019assurer une retraite confortable au Canada, ou le mythe du million de dollars<\/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-a6ce1325-8afe-4d2d-b382-e89aa351dff3 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-a6ce1325-8afe-4d2d-b382-e89aa351dff3 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>La planification de la retraite personnelle joue un r\u00f4le cl\u00e9 pour s&rsquo;assurer un nouveau mode de vie heureux. Peter Hoy donne des conseils \u00e0 ceux qui sont \u00e0 la retraite ou qui en approchent.<\/p>\n","protected":false},"author":112,"featured_media":22525,"parent":7085,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[183],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[140],"rbc_difficulty_level":[123],"rbc_mmm_category":[278,30,79,41],"class_list":["post-22522","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-communaute","rbc_content_type-article","rbc_lob_group-placements","rbc_difficulty_level-beginner","rbc_mmm_category-serie-go-to-grandma-avec-kathy-buckworth","rbc_mmm_category-objectifs-et-aspirations","rbc_mmm_category-planification-de-la-retraite","rbc_mmm_category-retraite"],"acf":{"contently_publication_id":"365347","custom_author":"Diane Amato","rbc_video_header":"","rbc_media_duration":"","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=\"La planification de la retraite personnelle joue un r\u00f4le cl\u00e9 pour s&#039;assurer un nouveau mode de vie heureux. 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