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Artwork for Retirement Unpacked

Retirement Unpacked

Parallel Wealth
Retirement Planning
Financial Planning
RRSP
Canada Pension Plan
Estate Planning
TFSA
Tax-Free Savings Account
Financial Literacy
Investment Strategies
CPP
Retirement Income Strategies
Old Age Security
Tax Efficiency
Registered Retirement Savings Plan
Tax Planning
RIF
Decumulation
Reverse Mortgage
Registered Retirement Income Funds
Cash Wedge Strategy

Retirement Unpacked is a weekly podcast by Parallel Wealth Financial Group. Our planners break down key retirement topics for Canadians—income strategies, tax planning, CPP, OAS, TFSAs, RRSPs, RRIFs, lifestyle choices, and estate planning. We answer real questions from YouTube, emails, and client conversations, giving you practical insights and strategies to retire with confidence, clarity, and pe... more

PublishesWeeklyEpisodes32Founded7 months ago
Number of ListenersCategory
Business

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Artwork for Retirement Unpacked

Latest Episodes

In episode 30 of Retirement Unpacked, Kyle and Mathieu break down what age you should think about starting an RRSP meltdown, whether there's a need for a cashflow wedge if you don't need the money, how couples should plan around long-term care costs,... more

In episode 29 of Retirement Unpacked, Adam and Matthew break down whether delaying OAS is actually worth it, if one spouse should start CPP early when both have the max benefit, how to think about the RRSP meltdown in the real world where markets are... more

In episode 28 of Retirement Unpacked, Brett and Michael break down if children receive any CPP benefit if their parents pass away, when spousal loans make sense, why it's normal to be nervous heading into retirement, if there is any reason to convert... more

In episode 27 of Retirement Unpacked, Adam and Jon break down what percentage drop in the market should trigger using your cashflow wedge, whether or not you should start CPP at 60 if you've already maxed it out, what to do when your RRSP has outperf... more

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Recent Guests

Jon Kutney
Planner on the Parallel Wealth team with 13 years of experience in retirement planning.
Parallel Wealth Financial Group
Episode: 015 | Why Most Retirees Struggle to Spend Their Money
Paul Grenier
Retirement planner with Parallel Wealth.
Parallel Wealth Financial Group
Episode: 015 | Why Most Retirees Struggle to Spend Their Money
Kyle Martin
Financial planner and guest speaker
Parallel Wealth
Episode: 013 | TFSA Trading Rules, LIRAs, & Tax-Efficient Decumulation

Hosts

Adam Bornn
Co-host and lead planner at Parallel Wealth Financial Group; frequent guest on retirement planning discussions.
Brett Martinson
Host and co-host focusing on retirement planning strategies and client questions.

Reviews

4.9 out of 5 stars from 39 ratings
  • Episode 25 Investment Planning Fees

    Towards the end of episode 25, there was a discussion of fees for investments and planning and how, with 1.5M a person should only pay, for example, .75% for investment fees and .75 for planning (and should truly be getting both those services). My question is, of the 0.75 investment fees does that also include the MER / TER or trading fees for equites? Many financial advisors say they only charge 0.75 but then, many of the funds they are using have MERs in excess of 1%…it gets tricky trying to... more

    Apple Podcasts
    5
    ScottH999
    Canadaa month ago
  • Great to see parallel wealth in Podcast format

    Thank you Adam and team for the weekly podcast. I’ve been watching Adam’s YouTube channel almost from the beginning and I’ve learned a lot about financial planning and ways to save on taxes in retirement. Great to see more Canadian content!

    Apple Podcasts
    5
    buddhabellies
    Canada6 months ago
  • Podcast format doubles benefit

    Q&As are very relevant and interesting. Having it in a podcast means I can learn more about retirement planning while exercising, which is another part of preparing to enjoy retirement. Thanks for this enhancement to the already useful video series.

    Apple Podcasts
    5
    MrTim42
    Canada7 months ago
  • Great to see parallel wealth in Podcast format

    I’ve been following Adam on YouTube for awhile now. Glad they are doing a long format about Canadian retirement planning.

    Apple Podcasts
    5
    buddhabellies
    Canada7 months ago

Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Q&A format is convenient for learning while multitasking.
Listeners appreciate Canadian-focused content and practical retirement tips.
Long-form discussions add depth beyond quick answers.
Quality guest planners enhance perspectives on personalized plans.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts
#89
Canada/Business

Talking Points

Recent interactions between the hosts and their guests.

023 | Retiring With A LIRA, TFSA, RRSP, & Non-Reg: Where Should You Withdraw First?
Q: How do you make a budget for your expenses when you begin retirement?
Plan your budget based on your current income, removing any expenses that won't apply in retirement and adding expected costs for new activities and opportunities.
023 | Retiring With A LIRA, TFSA, RRSP, & Non-Reg: Where Should You Withdraw First?
Q: Can you apply for CPP survivor benefit if the deceased wasn't collecting?
Yes, you can apply for a CPP survivor benefit regardless of whether the deceased person was already collecting CPP.
023 | Retiring With A LIRA, TFSA, RRSP, & Non-Reg: Where Should You Withdraw First?
Q: Do you need RSP room to unlock a DCPP?
No, you do not need RSP room to unlock your Defined Contribution Pension Plan; you can unlock a percentage regardless of your RSP contributions.
023 | Retiring With A LIRA, TFSA, RRSP, & Non-Reg: Where Should You Withdraw First?
Q: Is tax planning really necessary if I'll always be in the highest tax bracket?
Yes, tax planning is still important even if you're in the highest tax bracket, as it can provide strategies to structure your income and expenses effectively.
020 | CPP Survivor Benefit Explained
Q: What's the implication of transferring stocks or ETFs from non-registered to TFSA without selling?
This action triggers a deemed disposition, meaning any gains are considered realized for tax purposes.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

Listeners per Episode
Gender Skew
Location
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Age Range
Household Income
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Frequently Asked Questions About Retirement Unpacked

What is Retirement Unpacked about and what kind of topics does it cover?

The show centers on retirement planning for Canadians, breaking down income strategies, tax planning, CPP, OAS, TFSAs, RRSPs, RRIFs, estate planning, and generational wealth. Episodes mix practical strategies with audience questions, covering fee transparency, withdrawal sequencing, asset allocation, and living well in retirement. A notable strength is the long-form, Q&A format that blends traditional planning topics with psychological and behavioral insights, plus guest planners that broaden perspectives on personalized retirement strategies.

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What are the audience demographics for Retirement Unpacked?

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Which podcasts are similar to Retirement Unpacked?

These podcasts share a similar audience with Retirement Unpacked:

1. The Wealthy Barber Podcast
2. Build Wealth Canada Podcast
3. The Rational Reminder Podcast
4. Stress Test
5. The Canadian Investor

How many episodes of Retirement Unpacked are there?

Retirement Unpacked launched 7 months ago and published 32 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

How do I contact Retirement Unpacked?

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Where can I see ratings and reviews for Retirement Unpacked?

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What guests have appeared on Retirement Unpacked?

Recent guests on Retirement Unpacked include:

1. Jon Kutney
2. Paul Grenier
3. Kyle Martin

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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