Thu, 19 September 2019
Our guest today is Jason Heath, CFP who has been providing fee-only, advice-only financial planning since 2001 and is one of Canada’s best-known fee-only financial planners.
He is currently a personal finance columnist for the Financial Post, MoneySense and is also a regular contributor to RetireHappy.ca.
I’ve been reading his insightful financial planning articles on MoneySense for years, so I thought it would be great to have him on the show to discuss how we Canadians can optimize our investment portfolios.
We cover both phases: Before retirement when you're in the growth phase trying to retire early, and after retirement, once you’ve hit your number and want to make sure you don’t run out of money.
Resources from the Episode:
Free tickets to the Canadian Financial Summit:
I’ll be speaking again at the Canadian Financial Summit and I have free tickets for you. The entire event is online so you can watch it from anywhere, and it’s Canada’s largest personal finance conference.
I’ll be there together with over 25 Canadian personal finance experts, and in my talk I’ll be speaking about how we optimized our investment portfolio before we retired, and after we retired. This way no matter where you are on your financial independence journey, it’ll at the very least give you some insights on ways that you can optimize your own investment portfolio so that you can retire early, or at least hit your financial independence number quicker.
To get your free tickets for a limited time, go to:
Top Tools and Resources for Financial Independence (for Canadians):
All the top tools and sites that I’ve personally used to help us achieve financial independence in our early 30s. They’re also what we use now to optimize and manage our finances, and ensure that we’re paying the lowest fees while getting solid returns on our investments.
Canada’s Top ETFs Guide & Top High-Interest Savings Account: In the guide, I go over what I personally invest in, why I invest in it. The investments that I talk about are literally where we have almost our entire net worth (apart from our house), and is what we are primarily living off right now in our early retirement. At the very least you’ll learn about some great ETFs to consider for your portfolio, and if you are new to ETFs, it’ll give you a nice list of some top ETFs to consider from the thousands that are out there.
The guide is available for free to any listeners that use my link to sign up for a free savings account with the bank that I personally use, EQ bank.
The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada (they are currently offering 2.3% which is more than double what the major banks are offering).
It’s also free to sign up and keep an account with them, so you’re not paying a monthly fee like you do with many of the other banks out there. You also get unlimited transactions, unlimited Interac e-transfers, and can take out your money at any time if you need it, and there are no minimum balances.
Because of those reasons, I’ve been with them ever since they launched in Canada years ago, and it’s where I keep my entire emergency fund and spending money.
To get the free high-interest account and the free guide on the top ETFs in Canada, just go to buildwealthcanada.ca/eq, open the free account, and once you’re done, forward any email that you get from EQ to email@example.com and I’ll send you the full comprehensive guide for free.
Jason’s Site and Financial Planning Practice:https://objectivefinancialpartners.com/
Jason’s Articles on MoneySense:
Vanguard’s Asset Allocation Tool/Questionnaire:
Vanguard’s Asset Allocation ETFs:
Direct download: How_to_Create_and_Optimize_Your_Investment_Portfolio_Pre_and_Post_Retirement.mp3
Category:Investing -- posted at: 9:59pm EDT