EP # 170 | What Should You Withdraw First: RRSP, CPP, or TFSA?
Your Retirement Planning Simplified
Release Date: 12/04/2025
EP # 192 | Rebroadcast: A Retirement Manifesto, with Fritz Gilbert
Your Retirement Planning Simplified
In this rebroadcast of one of our most-listened-to episodes, Joe Curry sits down with Fritz Gilbert, founder of The Retirement Manifesto, to explore the emotional and practical realities of retirement. From retirement income planning to finding purpose after work, this conversation offers valuable insights into how Canadians can prepare for a more fulfilling and intentional retirement. Joe and Fritz discuss the hidden blind spots many retirees face, why the transition into retirement is often harder than expected, and how planning beyond the numbers can help you build a meaningful life after...
info_outline
EP # 191 | Non-Registered Accounts: Why Your Withdrawal and Your Taxable Income Don't Match
Your Retirement Planning Simplified
In this episode, Joe Curry breaks down a common misunderstanding in retirement income planning: why your withdrawals don’t equal taxable income. Learn how non-registered accounts, capital gains, and tax-efficient withdrawal strategies can help you stay in a lower tax bracket and avoid OAS clawbacks. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire...
info_outline
EP # 190 | When You Retire in Canada, Tell NO ONE (Until You Do These 3 Things)
Your Retirement Planning Simplified
In this episode, Joe Curry breaks down three essential steps to take immediately after retiring in Canada to avoid costly mistakes. Learn how to optimize your RRSP withdrawal strategy, properly time CPP and OAS, and build a sustainable retirement income plan. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement plan that...
info_outline
EP # 189 | Helping Adult Children Financially Without Ruining Your Retirement (Guide for Canadian Parents)
Your Retirement Planning Simplified
Helping adult children financially is common, but without a plan, it can quietly derail your own retirement. In this episode, Joe Curry walks through a practical framework for balancing generosity with smart retirement income planning, including when to gift, loan, or structure early inheritance. Resources Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the...
info_outline
EP # 188 | 6 Costly Retirement Mistakes Canadian Retirees Keep Making (And How To Avoid Them)
Your Retirement Planning Simplified
In this episode, Joe Curry breaks down six costly retirement mistakes Canadians make around CPP timing, RRSP withdrawals, TFSA usage, and OAS clawback. Learn how proper retirement income planning can help you reduce taxes, protect benefits, and create a more efficient, coordinated retirement strategy. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire...
info_outline
EP # 187 | The RRSP Meltdown Strategy: How Canadian Retirees Can Cut RRIF Taxes & OAS Clawback
Your Retirement Planning Simplified
What is an RRSP meltdown strategy—and should you use one? In this episode, Joe Curry explains how intentional RRSP and RRIF withdrawals, CPP and OAS timing, and tax-efficient planning can help reduce lifetime tax and create more flexible retirement income in Canada. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your retirement income style with the RISA questionnaire at Want a retirement...
info_outline
EP # 186 | Retirement Budgeting Basics: 4 Costly Mistakes Canadian Retirees Keep Making
Your Retirement Planning Simplified
Many pre-retirees underestimate what retirement will actually cost, even when they’ve carefully tracked their spending. In this episode, Joe Curry walks through practical retirement budgeting basics, showing you how to estimate your true lifestyle spending and avoid the most common optimistic assumptions that can derail a retirement income plan. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? Identify your...
info_outline
EP # 185 | 5 Retirement Regrets Canadian Retirees Confess After 65 (Even Millionaires)
Your Retirement Planning Simplified
In this episode of Your Retirement Planning Simplified, Joe Curry explores five of the most common retirement regrets Canadians experience, from underestimating healthcare costs to not having a written retirement income plan. Learn practical strategies to stress-test your retirement plan, manage inflation, and avoid the financial surprises that can derail retirement confidence. Resources • • Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! ...
info_outline
EP # 184 | Five things to do with RRIF minimums you don’t need
Your Retirement Planning Simplified
Many Canadian retirees are surprised when their RRIF minimum withdrawals create more income than they actually need. In this episode, Joe Curry shares five smart strategies for using excess RRIF withdrawals — from boosting tax-free savings with TFSAs to helping family, funding lifestyle upgrades, and supporting charitable causes in a tax-efficient retirement plan. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? ...
info_outline
EP # 183 | 7 Expensive Mistakes Affluent Retirees Make in Their 60s
Your Retirement Planning Simplified
In this episode of Your Retirement Planning Simplified, Joe Curry outlines seven expensive retirement planning mistakes affluent Canadians make in their 60s. From CPP and OAS timing to RRSP and RRIF withdrawal strategies, tax-efficient investing, and purposeful spending, this conversation will help you protect your retirement income plan and avoid costly missteps. Thank you for listening! You can get a full breakdown of each episode on our blog: Don’t forget to like, comment, and subscribe for more simplified retirement planning insights! Ready to take the next step? ...
info_outlineIn this episode of Your Retirement Planning Simplified, you will gain insight into the optimal withdrawal order for Canadian retirement accounts — RRSP first, CPP/OAS later, TFSA last. This sequencing can save you tens of thousands in taxes. Joe explains how strategic timing creates more flexible, tax-efficient income and a more secure retirement plan.
Resources
YRPS Blog: What Should You Withdraw First: RRSP, CPP, or TFSA?
https://retirementplanningsimplified.ca/blog
Original Youtube Episode: RRSP vs CPP vs TFSA: What Should You Withdraw First
Matthews + Associates: Retirement Planning Process
Thank you for listening!
You can get a full breakdown of each episode on our blog: https://www.retirementplanningsimplified.ca/blog
Don’t forget to like, comment, and subscribe for more simplified retirement planning insights!
Ready to take the next step?
Identify your retirement income style with the RISA questionnaire at https://account.myrisaprofile.com/invitation-link/88QG1TMQ12
Want a retirement plan that adapts as your life evolves?
Discover our True Wealth Roadmap — a step-by-step process to align your finances with your ideal retirement.
Learn more here: https://matthewsandassociates.ca/vsl/
About Joe Curry
Joseph Curry, also known as Joe, is the host of Your Retirement Planning Simplified, Canada’s fastest-growing retirement planning podcast, where he provides accessible, in-depth financial advice. As the owner and lead financial planner at Matthews + Associates in Peterborough, Ontario, Joe and his team are committed to helping people secure both financial stability and purpose in retirement. His mission is to ensure people can sleep soundly knowing they have a solid plan in place, covering both financial and lifestyle aspects of retirement. A Certified Financial Planner and Certified Exit Planning Advisor, he values true wealth as more than money—it’s about creating meaningful experiences with loved ones and fostering opportunities for the future.
You can reach out to Joe through:
LinkedIn: https://www.linkedin.com/in/curryjoe
Website: https://www.retirementplanningsimplified.ca/
Website: https://matthewsandassociates.ca/vsl/
About Retirement Planning Simplified
Founded in 2022, its mission is to empower people to plan for retirement confidently, focusing not only on finances but also on a meaningful life. RPS wants everyone to have access to simple, reliable tools that reflect their values and priorities, helping them create True Wealth—the freedom to do what they love with those they love. By simplifying retirement planning and aligning it with the retiree's purpose, RPS aims to support building a retirement that feels fulfilling and secure.
To know more about RPS you can visit the links below:
- LinkedIn: https://www.linkedin.com/company/retirement-planning-simplified/
- Instagram: https://www.instagram.com/retirement_planning_simplified
- Podcast/Blog: https://www.retirementplanningsimplified.ca/blog
- Youtube: https://www.youtube.com/@retirementplanningsimplified
Disclaimer
Opinions expressed are those of Joseph Curry, a registrant of Aligned Capital Partners Inc. (ACPI), and may not necessarily be those of ACPI. This video is for informational purposes only and not intended to be personalized investment advice. The views expressed are opinions of Joseph Curry and may not necessarily be those of ACPI. Content is prepared for general circulation and information contained does not constitute an offer or solicitation to buy or sell any investment fund, security or other product or service.