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Financial Strategies for a Joyful Retirement. NEW ONLINE VERSION!

Join over 5,000 Canadians who have taken the Joyful Retirement Course and discover how you can maximize your retirement income without experiencing unnecessary financial risk
We have identified the top questions and concerns of today's Canadian pre-retirees and created an intensive course to tackle their concerns. To date, more than 5,000 students have taken our course. 

And all of them have been prompted to implement what they've learned and to create a plan. We can help you too.

We know that your time is valuable and you've probably heard the same generic financial advice more than once before. And you still have unanswered questions!
  • When should I retire?
  • ​How can I take advantage of tax laws?
  • ​Will I have enough?
  • ​Will I outlive my money?
  • How much tax will I owe?
Did you know there is a magic number Canadians think they'll need to save for retirement?

But up to 90% don't have a formal plan to get there... 

The lucky ones who do have a plan aren't entirely sure they have the best plan of action in place and still have questions.


The market has changed
Canadians face harsh new reality
Long gone are the days where retirees can depend on a  well defined (and funded) retirement benefits package  after 40 years of working. And the stock market isn't exactly performing as well as we would like it to be in recent days, leaving many people questioning, "When can I retire?"

These unprecedented times we are facing call for new strategies.
longevity Is a concern
Living longer
The number of people aged 65 years and over will soon exceed the number of children aged less than 14. This historic shift will occur by 2021. It isn't even a big deal anymore to live to be 100. Estate values can reduce rapidly when you have to factor in living expenses, personal caregivers, or long-term care. Canadians are asking, "Will I outlive my retirement fund? 

Be certain your plan will outlive you!
Avoid this common pitfall
Don't leave your estate to the CRA
Many Canadians have no intention of leaving their hard earned dollars to the Canada Revenue Agency, but that is exactly what happens far too often! 
The tax department will inherit your estate instead of your beneficiaries if tax-planning strategies are not put in place now to meet the challenges ahead.

It's a common misconception that estate planning is only for the wealthy. We'll show you why this isn't true.
Traditional advice is to work longer, save more, and scale down your lifestyle expectations. 

But it fails to recognize that one person's "amazing retirement" vision will not be the same as someone else's. You'll need to define what 'Ok' looks like for you. 

And that's why we focus on what really matters.. 
The solution: Get more engaged in planning what you want your future to look like.
It's less about how much you've saved, but how your savings line up (or don't line up) with your lifestyle goals that really matters. 


We know that 90% of Canadians don't have a retirement plan.
This lack of preparation may stem from a belief that working Canadians think they have longer to plan for retirement than they actually do.

We want to make financial retirement advice more accessible so that more people can (and will) create a plan. 

One thing is for sure. 
When retirees get advice, they are more likely to have enough money and a lower debt burden than those who did not.
One study suggested that of Canadians who have worked with a financial planner for ten or more years, 65% said their retirement is ‘everything they thought it would be’ and 77% said they have enough funds to ‘sustain them through their retirement years’.

It is evident that education and financial planning play a big role in making Canadian retirees feel more secure in their retirement. But not everyone has a trusted advisor

And those who do, aren't sure if they have chosen the right one. Or if they are doing enough. Or if they have a good plan.

We want to change all that.

You don't have to...

Rely on the Canada Pension Plan, Old Age Security and the Guaranteed Income Supplement to fund your retirement dreams.

Imagine what life would be like knowing your retirement "is everything you thought it would be"
So you can relax knowing you really are prepared. 
The Joyful Retirement Course  New Online Version
An in-depth online course designed to help you discover how to maximize your retirement income without experiencing unnecessary financial risk. 

You don't have to leave your home and you can learn at your own pace.

Don't stress about trying to find a financial expert to answer your questions.

You don't have to figure it out all on your own. We're here to help.


What’s Included.
Income Planning
In this module we cover how to differentiate between a retirement dream and a retirement reality. You'll learn about the pyramid of clarity and why you need one (and how to create your own). You'll learn the 4 costly mistakes retirees make about government benefits and pensions.
We'll cover income planning concerns in 4 areas:
1. Inflation
2. Longevity
3. Sequence of returns 
4. Reverse dollar cost averaging
• You'll know how much you need
• You'll know how long your money must last
• You'll know the common mistakes
• You'll understand RRSPs
• You'll have a strategy for spousal contributions
• You'll know your pension plan options
Tax Planning
In this module we focus on how to cut your taxes so you can keep more of your hard-earned money. You'll learn about tax-efficient investing, RRIFs, RRSPs, and tax friendly ways to withdraw your retirement income once you've saved it. 

This module focuses on the tax strategies that exist that you might not be using. You'll learn why most Canadians pay more taxes than they need to because they don't know the rules of the game. 

You'll learn the 4 buckets strategy  and how it will help you understand what to do with your assets. How much should you save inside your RRSP?
• You'll know the 4 buckets approach
• You'll know about RRIFs
• You'll know when to convert RRSPs to RRIFs
• You'll know how a 'locked in' RRSP is set up
• You'll know a tax friendly way to withdraw your retirement income
Investment Planning
In module 3 we cover the key to successful investing and why time horizon is so important. You'll complete a net worth sheet to follow and track your income so you have a better idea of your own expenses and how much you can save. You'll learn the essential actions to ensure you reach the goals you defined in module 1. 
We'll cover investor psychology, the best investments for you, and how to know if DIY investing is for you. You'll learn about the 'Efficient Frontier' (a set of optimal portfolios that offer the highest expected return) and how to pick investments that can meet your needs.
• You'll understand why you need a cash reserve
• You'll understand the types and benefits of mutual funds
• You'll know the appeal of segregated funds
• You'll know about tax-deferred accounts
• You'll know how to use equity investments and debt investments
• You'll have learned about Investment risk
Healthcare Planning
You'll learn how to prepare for the unexpected. 

We cover disability income insurance, critical illness insurance, and long term care to protect your income if you are unable to work due to injury or illness

You'll complete a personal needs assessment so you have peace of mind about your level of preparedness. 
• A plan to handle unexpected health care risks
• You'll know the key questions to ask in assessing your risk
• you'l know about disability insurance coverage and long term care insurance
• You'll understand how to use life insurance to protect your income
Leaving a legacy
You'll learn about the importance of estate planning and all the misconceptions about wills and creating a plan. We'll demystify exactly what you need to have in place, so you can start today and finally put a plan in place. 

You'll learn what you need to do to avoid needless taxation, family conflict, delays in settling your estate, costly legal battles, and loss of control of your family assets (including your cottage, business, or farm). 

You'll know exactly what every estate plan should include and how to put your own in place.
• You'll have knowledge of estate planning
• You'll know how to plan for incapacity
• You'll know whether to probate or not
• You'll know if trusts are just for wealthy
• You'll know how to reduce taxes
• You'll know the high cost of dying without a will

We want to put the power back in your hands.
We'll answer all the concerns you have about your retirement planning so you can feel prepared and confident about your future

Imagine feeling like you've got it all under control!
It's a common misconception that planning means you must budget every dollar that comes in and goes out. Creating a plan is simply about having written goals and a clear focus on what is important to you. 

This is about creating a picture of the future you want and mapping out the road ahead and mode of  transportation to get you there. 
Financial planning doesn't have to be scary...
It's easier than you think.
Planning tip:
Keeping the big picture future vision in front of you as you make decisions will help you keep score of how you are doing and ensure you achieve your end goal.
Planning tip:
A written financial and retirement plan integrated with your overall future vision can make all the difference in the long run.
Our students report feeling confident about their future and empowered to make important financial decisions after taking the course.
Your course instructor will walk you through a proven process to make sure all your bases are covered. 
- He'll help you understand financial rules and options  so you'll have the power to make smarter choices.
- He'll help you see the bigger picture. This course was designed to help create perspective
- He'll help you form and implement a game plan. Every person faces unique challenges and goals, so this is a customized approach.
Ultimately, you are responsible for your financial future. Applying the principles you will learn in the course will allow you to connect with a supportive team of people to put you in control of your money.
Don't waste your MONEY....
Maybe you are working with a financial advisor currently but you just want to know if you are on the right track. 

Many of our students take the course so they know the right questions to ask!
Know the right questions to ask... 


Start Today Bonuses
We've recently updated our workbook with all the latest Canadian Provincial Tax tables, graphs and charts so you have the information you need to make informed decisions about your retirement savings. 

You'll get this 154 page digital workbook as a bonus download available in your membership portal. 

*There is even an option to get a physical copy of the workbook mailed right to your doorstep. (Look for that on the checkout page).
You'll have access to all future course updates. When we have new information to share, we'll upload that right into your membership portal. 

Canadian tax tables change periodically and we'll be updating our workbooks every year to reflect these changes. You won't miss out on future updates!
Students always have personal questions as they go through our course. In a LIVE class, the instructor has an opportunity to answer those questions in person. We know you'll have questions too, so we've added a complimentary consultation! 

You can use this bonus consultation to get your questions answered by the instructor! At the end of your course, you'll be able to book a time to speak to our instructor via video call. He'll give you a 3 part Start Today Plan so you can implement what you've learned.
How to weather the storm of financial uncertainty guide
Many of our students have asked questions about what is happening right now in these uncertain times. The world is essentially closed for business and the market has hit recession-like lows. It's normal to be feeling fearful or unsure about your future! Especially if you were ready to roll into retirement in the next few years - and now you are second guessing if that is even possible. 

We've got you. This quick guide will give you some tips on how to weather the storm. 


Join over 5,000 Canadians Take the Joyful Retirement Course Today
All video Course modules       (Valued at $95)

154 Page Workbook                    (Valued at $37)

All Presentation Slides               (Valued at $97)

Membership Access                (Valued at $197)
Bonus 2020 Workbook              (Valued at $37)

Bonus Future Updates             (Valued at $197)

Bonus Consultation                (Valued at $495)

Bonus Ebook                                 (Valued at $37)
Total Value = $1,192
Today’s Price = $97
See what others are saying about the course
“I recommend this course to my family and friends”
I will be retiring next year and I wanted to learn more and confirm the retirement plan I have in place. The course was very helpful. Good ideas and plans for retirement. Facilitator was very knowledgeable and friendly. Great course to take earlier in life rather than just before retirement . Having an early plan is the best. I recommend the course to all including family and friends.
Tony Khourieh
Calgary, Alberta


Take advantage to our special pricing and learn in the comfort of your own home
This course is usually offered in-person at universities across Canada. However, since that is not possible in our current environment due to social distancing practices, we have taken the entire course online because our students still need this valuable information. 

If you want to experience our course in the comfort of your own home, now is your opportunity to do so! 
We offer a 7-day 100% money back guarantee
If you’re not 100% satisfied with the course, the workbook, or the teaching within 7 days, we will offer you a full refund, for any reason.

That means you can enroll today, and continue to benefit if you agree with us that this content is helpful! Take the full 7 days to explore the materials and experience the course for yourself and then make a decision using the information you have, rather than the information you don’t.


she liked the course material
“It was a real eye-opener”
I wish I would have taken this course years ago. It was a real eye opener!! Not only do you get a lot of information in the materials provided, they also give tips on various tax and investment benefits I didn’t know about. The planning part can be arduous as you gather your expenditures but that in itself was well worth the effort – makes you realize where every cent you spend goes and so easy to change a few bad habits and save money! Why wouldn’t you want to have a plan way before retirement.
Karen Butchko
Calgary, Alberta
The course was valuable
“I changed my action plan”
The information was valuable, the material was well organized, the workbook is a take-home treasure and the instructor was engaging and entertaining. This course not only prompted me to change my action plan for our finances, but also to think differently about the whole life-shift of retirement. Ironically, this course would be even more valuable to those in their 30’s and 40’s because I realize now I’ve missed out on some great opportunities.
Halifax, Nova Scotia
she loved the consultation
“great seminar for everyone”
Great seminar for everyone regardless of age or knowledge level. Not only did we get the benefit of all the material covered in the classroom presentation, everyone was offered a one on one consultation at no extra charge at a later date. We definitely took advantage of this extra perk. Well worth the time for planning your retirement. Thanks!!
Tina Marie Davidson
Moncton, New Brunswick


Learn how to keep more of your hard earned money.
There are tax strategies that exist that you might not be using. You'll learn why most Canadians pay more taxes than they need to because they don't know the rules of the game. 
After you take the course, you'll understand investor psychology, the best investments for you, and how to know if DIY investing is for you. You'll learn about the 'Efficient Frontier' (a set of optimal portfolios that offer the highest expected return) and how to pick investments that can meet your specific needs. 
This is the 'gut check' you need to confirm you're on the right track to retire as you planned. Make sure you haven't missed any key points in your planning process. Even if you have an advisor, this will give you a clear picture of where your retirement income will come from and the most tax efficient way to create the income you need.
This is the perfect time to study at home. 
You don't have to wait. Start Today.


join over 5,000 Canadians Take the Joyful Retirement Course Today
All video Course modules       (Valued at $95)

154 Page Workbook                   (Valued at $37)

All Presentation Slides              (Valued at $97)

Membership Portal Access   (Valued at $197)
Bonus 2020 Workbook               (Valued at $37)

Bonus Future Updates             (Valued at $197)

Bonus Consultation                (Valued at $495)

Bonus Ebook                                 (Valued at $37)
Total Value = $1,192
Today’s Price = $97


Frequently Asked Questions.
How much time will this class take?
Take it one step at a time. The video modules can be viewed at your own pace.

You will have the opportunity to absorb and reflect on the information presented and more time to address the issues that are important to you personally. 

The registration fee includes an illustrated 150 page colour workbook that is yours to keep as a valuable reference tool and a record of your progress. This workbook provides an interactive learning experience with informative charts and graphs, as well as examples and questions.
Who should attend this class?
The material is relevant to those planning their retirement, close to retirement or already retired. The workshop curriculum is designed for people who are serious about gaining money management knowledge.
What will be covered in this class?
This workshop will help you prepare for financially secure retirement, maximize your income and get the most from your investments. You will also learn how to protect your hard-earned money from inflation, taxes and erosion due to possible health care needs. The information you receive will pay dividends for the rest of your life.
Will this be the same information or generic advice I've heard before?
In the words of one of our students: 

"The information was very informative and inclusive. The instructors explained the information very clearly and answered questions as they came up. I gained a better understanding of investments, wills and planning for my retirement. Now as I enter my retirement I feel more in control of my finances and my life. 

I would recommend the financial education classes!"
How is this class delivered?
All 7 modules are recorded videos of the instructor teaching. There are slides to download to accompany the videos as well as a 150 page workbook to follow along. 
Is this class for retirees only?
In the words of one of our students: "This seminar is highly recommended for anyone approaching retirement in 2, 5 or 10 years. Excellent instructors, foundational content clearly presented and easy to understand."

What if I have personal Questions?
Registrants are entitled to a BONUS, personal Start Today consultation at no additional cost. We always offer this to our LIVE in-person students and they love it.  So we have figured out a way to offer this to you online as well!

You will be assigned homework during the course, and based on the information you provide, your instructor can prepare a personal financial analysis. 

This in also your opportunity to ask questions specific to your financial situation. the session will help you identify your personal financial objectives and develop a plan to achieve them.
Will you cover Canada Pension Plan?
Yes, we'll cover: 
- 10 retirement planning mistakes
- Understanding the different types of risk
- Credit and debit in retirement
- How the Tax Free Savings Account (TFSA) works
- Start Canada Pension Plan too early or too late
Should I attend if already have a financial advisor?
Yes. Many students come to the class just to be sure they are doing everything they could be doing. They still have unanswered questions or they learn the right questions to ask their own advisor. If you don't have a trusted advisor but want one, you'll learn how to find the right one for you..
Our goal is to help more Canadians feel empowered about their retirement future. We are committed to changing the statistics by increasing the number of families who have a retirement plan. 

Get the course, all the bonuses and the 100% money back guarantee right now by registering for this Introductory offer.


JOIN OVER 5,000 CANADIANS Take the Joyful Retirement Course Today
All video Course modules       (Valued at $95)

154 Page Workbook                    (Valued at $37)

All Presentation Slides               (Valued at $97)

Membership Portal Access   (Valued at $197)
Bonus 2020 Workbook               (Valued at $37)

Bonus Future Updates             (Valued at $197)

Bonus Consultation                (Valued at $495)

Bonus Ebook                                 (Valued at $37)
Total Value = $1,192
Today’s Price = $97 - All Rights Reserved - Terms & Conditions