Want to feel more confident about your future? Financial planning can help! A CFP® professional or a QAFP® professional can work with you to create a clear plan to reach and maintain your goals.
Whether you're starting out, looking for help with a specific concern or a comprehensive financial plan, the right financial planner can make a big difference. Learn what financial planning is all about and use our Find Your Financial Planner tool to connect with a professional who's right for you.
FP Canada conducted a survey to find out what milestones Canadians are saving for, how they’re saving, and the roadblocks to achieving goals. Read on for some great insights into how working with a professional financial planner can help you reach your goals.
According to FP Canada’s 2025 Financial Stress Index, Canadians say that money is their top source of stress. Let a CFP professional or QAFP professional get you on the path to financial well-being and help you decrease some of that stress.
Canadians who work with a financial planning professional, such as a CFP professional or QAFP professional, feel less stress about their financial futures. And our research has found that, over time, more and more Canadians who work with a financial planning professional express feelings of hope about their futures.
In 2025, 60% of those working with a planner felt hopeful compared to 56% in 2024, and 50% in 2023.
2025 FP Canada Financial Stress Index
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Is retirement right around the corner? Ensure you have everything in place to avoid unnecessary stress down the road.
Most Canadians dream of the day when they’re ready to transition to enjoying life on their own terms, whether that means travelling, indulging in hobbies, or something else altogether. Enlisting a CFP® professional or QAFP® professional can ensure you’re set up for success during this exciting change.
The first step is establishing some key numbers that can serve as guideposts on your path to a healthy and happy retirement. Here are four questions to ask yourself—and share with your financial planner—before you retire.
Are you going to continue to work part time? Do you want to move to a sunnier climate for the winter? Maybe you want to go back to school or volunteer. Whatever your preference, it will have a big impact on how much money you’ll need to comfortably retire. Once you’ve answered this question, you and your financial planner can start looking at the actual steps required to make it happen.
It’s common for people to retire based solely on their age, but it’s important to determine whether you truly have enough money to do the things you want to do in retirement. Will a monthly income based on your savings and other sources such as government benefits be enough?
To determine where you’re at, consider working with a financial planner who can help you map out your future in a detailed financial plan. They’ll ensure that you understand the income you can receive on a monthly basis from various assets, including RRSPs, TFSAs, pensions, non-registered investments, personal savings, and government benefits.
This is an important process in determining whether you’ll have enough income to pay for the things you need and want during your retirement.
It’s very important to have a solid budget in place to ensure you don’t run out of money.
It’s not unusual for those nearing retirement to want to help children and grandchildren. But it’s essential to make sure any monetary gifts you give are planned in advance so they don’t affect your ability to generate the income you need for your everyday spending.
Your CFP professional or QAFP professional can help you create a solid budget and identify your fixed and discretionary expenses. Fixed expenses are those that tend not to change too much, like your mortgage, rent, or long-term care in the future. Discretionary expenses are the little extras you enjoy, like a new couch or a vacation. From there, you can strategize how to best manage your day-to-day expenses without spending more than your retirement income allows.
How much should you take out from your RRSPs, TSFAs, or non-registered assets—and where should you withdraw from first? Now that you know you have enough funds for your retirement, it’s important to figure out the most tax-effective way of withdrawing your money.
Your financial planner can walk you through the potential benefits and consequences of different withdrawal options. With the right information, you’ll understand how each one could affect your bottom line today.
When it comes to financial decisions, there’s no right answer. They should be tailored to your unique life circumstances. A CFP professional or QAFP professional can help you assess the pros and cons of various scenarios so you can make the most appropriate decisions for you and your future.
To find a financial planner in your area who can help you map out your retirement, use our Find Your Planner tool.
Kelly Ho, CFP®, is Partner at DLD Financial Group Ltd. in Vancouver.
Explore a selection of timely articles.
Is retirement right around the corner? Ensure you have everything in place to avoid unnecessary stress down the road.
Most Canadians dream of the day when they’re ready to transition to enjoying life on their own terms, whether that means travelling, indulging in hobbies, or something else altogether. Enlisting a CFP® professional or QAFP® professional can ensure you’re set up for success during this exciting change.
The first step is establishing some key numbers that can serve as guideposts on your path to a healthy and happy retirement. Here are four questions to ask yourself—and share with your financial planner—before you retire.
Are you going to continue to work part time? Do you want to move to a sunnier climate for the winter? Maybe you want to go back to school or volunteer. Whatever your preference, it will have a big impact on how much money you’ll need to comfortably retire. Once you’ve answered this question, you and your financial planner can start looking at the actual steps required to make it happen.
It’s common for people to retire based solely on their age, but it’s important to determine whether you truly have enough money to do the things you want to do in retirement. Will a monthly income based on your savings and other sources such as government benefits be enough?
To determine where you’re at, consider working with a financial planner who can help you map out your future in a detailed financial plan. They’ll ensure that you understand the income you can receive on a monthly basis from various assets, including RRSPs, TFSAs, pensions, non-registered investments, personal savings, and government benefits.
This is an important process in determining whether you’ll have enough income to pay for the things you need and want during your retirement.
It’s very important to have a solid budget in place to ensure you don’t run out of money.
It’s not unusual for those nearing retirement to want to help children and grandchildren. But it’s essential to make sure any monetary gifts you give are planned in advance so they don’t affect your ability to generate the income you need for your everyday spending.
Your CFP professional or QAFP professional can help you create a solid budget and identify your fixed and discretionary expenses. Fixed expenses are those that tend not to change too much, like your mortgage, rent, or long-term care in the future. Discretionary expenses are the little extras you enjoy, like a new couch or a vacation. From there, you can strategize how to best manage your day-to-day expenses without spending more than your retirement income allows.
How much should you take out from your RRSPs, TSFAs, or non-registered assets—and where should you withdraw from first? Now that you know you have enough funds for your retirement, it’s important to figure out the most tax-effective way of withdrawing your money.
Your financial planner can walk you through the potential benefits and consequences of different withdrawal options. With the right information, you’ll understand how each one could affect your bottom line today.
When it comes to financial decisions, there’s no right answer. They should be tailored to your unique life circumstances. A CFP professional or QAFP professional can help you assess the pros and cons of various scenarios so you can make the most appropriate decisions for you and your future.
To find a financial planner in your area who can help you map out your retirement, use our Find Your Planner tool.
Kelly Ho, CFP®, is Partner at DLD Financial Group Ltd. in Vancouver.
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