Buxton Financial For Retirement

A lot of people tell me they don't have enough to retire. Often, they're wrong.

The reason is simple: they're only counting the money, and money is just one piece.

I think in terms of resources, and a resource can be something you'd never think counts as one.

Even a strategy is a resource, because the right one lets you do more with what you already have.

It's not about hitting a number. It's about the life you want and what you can use to get there.

What's one thing you've never thought of as a retirement resource?

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For thirty years you got a paycheck and spent within it.

Then you retire, and suddenly you're the one writing the paycheck, from several smaller streams, with no rules telling you how much to take.

That's why I see people who saved more than enough still worried they'll run out.

The money is there, but the structure isn't.

Have you figured out a system for spending in retirement, or are you still winging it?

The best retirement plans don't pick between stability and growth. They use both.

CPP, OAS, and pensions give you a base you never have to worry about. Market investments give you room to grow and keep up with inflation.

Which side is your plan leaning too heavily on?