https://www.talkthroughwealth.com/blog/au/age-pension-means-testing.html https://img.youtube.com/vi/UvuaqZZcYuk/maxresdefault.jpg Age Pension Means Testing: How Your Assets and Income Affect Your Entitlement How your assets and income affect your Age Pension entitlement. Understanding means testing is crucial for Australian retirement planning. https://www.youtube.com/embed/UvuaqZZcYuk 60 https://www.talkthroughwealth.com/blog/au/aged-care-costs.html https://img.youtube.com/vi/7fxBtgCNJuE/maxresdefault.jpg Aged Care Costs: RAD vs DAP Accommodation Choices Understanding aged care costs in Australia including RADs, DAPs, means-tested fees, and how your super and pension assets affect what you pay. https://www.youtube.com/embed/7fxBtgCNJuE 63 https://www.talkthroughwealth.com/blog/au/catch-up-contributions.html https://img.youtube.com/vi/uvs4I8WKBtM/maxresdefault.jpg Catch-Up Contributions: Using Unused Concessional Cap Space Learn how to carry forward unused concessional super contributions for up to 5 years and boost your retirement savings with catch-up contributions in Australia. https://www.youtube.com/embed/uvs4I8WKBtM 76 https://www.talkthroughwealth.com/blog/au/division-293.html https://img.youtube.com/vi/ONkPDYVXySo/maxresdefault.jpg Division 293 Tax: The Extra Super Tax for High Earners Understanding Division 293 tax on super contributions for high-income earners. How the $250,000 threshold works, what's included, and strategies to manage it. https://www.youtube.com/embed/ONkPDYVXySo 68 https://www.talkthroughwealth.com/blog/au/downsizer-contributions.html https://img.youtube.com/vi/9qkGt-Hg-sI/maxresdefault.jpg Downsizer Contributions: Boost Your Super When You Sell Your Home Sell your home and boost your super with up to $300,000 in downsizer contributions. Here's how this powerful retirement strategy works. https://www.youtube.com/embed/9qkGt-Hg-sI 66 https://www.talkthroughwealth.com/blog/au/first-home-super-saver.html https://img.youtube.com/vi/LH6yey0NgfE/maxresdefault.jpg First Home Super Saver: Save Your Deposit Inside Super How the FHSS Scheme lets you save for your first home inside super with tax advantages. Eligibility, contribution limits, and how to apply. https://www.youtube.com/embed/LH6yey0NgfE 77 https://www.talkthroughwealth.com/blog/au/franking-credits.html https://img.youtube.com/vi/TaYkrqVnBW8/maxresdefault.jpg Franking Credits: Australia's Dividend Tax Advantage How Australia's dividend imputation system works and why franking credits matter for your investment strategy and retirement income. https://www.youtube.com/embed/TaYkrqVnBW8 62 https://www.talkthroughwealth.com/blog/au/insurance-in-super.html https://img.youtube.com/vi/4JIojbyzFUw/maxresdefault.jpg Insurance in Super: The Hidden Cost to Your Retirement Understanding life, TPD, and income protection insurance inside your super fund. How default cover works, its balance impact, and when to opt out. https://www.youtube.com/embed/4JIojbyzFUw 61 https://www.talkthroughwealth.com/blog/au/medicare-levy.html https://img.youtube.com/vi/4DRBjObOYns/maxresdefault.jpg Medicare Levy & Surcharge: Private Health Insurance vs Paying the Surcharge Understanding the 2% Medicare Levy, the Medicare Levy Surcharge for high earners without private health, and Lifetime Health Cover loading in Australia. https://www.youtube.com/embed/4DRBjObOYns 68 https://www.talkthroughwealth.com/blog/au/minimum-drawdowns.html https://img.youtube.com/vi/bzjVOnpaU9A/maxresdefault.jpg Minimum Drawdowns: How Much You Must Withdraw Each Year Understanding minimum pension drawdown rates by age, how to plan withdrawals to make your super last, and tax-free benefits of account-based pensions. https://www.youtube.com/embed/bzjVOnpaU9A 80 https://www.talkthroughwealth.com/blog/au/mortgage-vs-super.html https://img.youtube.com/vi/PZvxlRE2-ig/maxresdefault.jpg Mortgage vs Super: Where Should Extra Money Go? Should you put extra money into your mortgage or salary sacrifice to super? A detailed breakdown of the mortgage vs super dilemma with real numbers. https://www.youtube.com/embed/PZvxlRE2-ig 60 https://www.talkthroughwealth.com/blog/au/non-concessional.html https://img.youtube.com/vi/zvmojC8OGPI/maxresdefault.jpg Non-Concessional Contributions: Boosting Super with After-Tax Money Making after-tax contributions to super. Understand non-concessional contribution caps, bring-forward rules, and when this strategy makes sense. https://www.youtube.com/embed/zvmojC8OGPI 63 https://www.talkthroughwealth.com/blog/au/recontribution-strategy.html https://img.youtube.com/vi/4FGW14OtWhU/maxresdefault.jpg Recontribution Strategy: Making Super Tax-Free for Heirs How the recontribution strategy can minimise tax on super death benefits. Withdraw taxable super and recontribute as tax-free. https://www.youtube.com/embed/4FGW14OtWhU 63 https://www.talkthroughwealth.com/blog/au/salary-sacrifice.html https://img.youtube.com/vi/X5V8LbNzrDc/maxresdefault.jpg Salary Sacrifice to Super: Boost Retirement While Cutting Tax Today How salary sacrificing to super can reduce your tax and boost your retirement savings. Contribution limits, strategies, and pitfalls. https://www.youtube.com/embed/X5V8LbNzrDc 61 https://www.talkthroughwealth.com/blog/au/smsf-basics.html https://img.youtube.com/vi/UVJOAcDoUPQ/maxresdefault.jpg SMSF Basics: Is Self-Managed Super Right for You? Is a self-managed super fund right for you? Understanding SMSF benefits, costs, responsibilities, and when it makes sense. https://www.youtube.com/embed/UVJOAcDoUPQ 61 https://www.talkthroughwealth.com/blog/au/super-co-contribution.html https://img.youtube.com/vi/l2hiVF0Q3TA/maxresdefault.jpg Super Co-Contribution: Free Government Money for Your Super The government will add up to $500 to your super for personal after-tax contributions if you earn below the threshold. How co-contributions work. https://www.youtube.com/embed/l2hiVF0Q3TA 68 https://www.talkthroughwealth.com/blog/au/super-contribution-caps.html https://img.youtube.com/vi/9eZPpIMC4Qs/maxresdefault.jpg Super Contribution Caps: Maximising Your Tax-Advantaged Savings Understanding concessional vs non-concessional super contributions, catch-up rules, and how to maximise your tax-advantaged savings in Australia. https://www.youtube.com/embed/9eZPpIMC4Qs 47 https://www.talkthroughwealth.com/blog/au/super-death-benefits.html https://img.youtube.com/vi/EDmMjG22u68/maxresdefault.jpg Super Death Benefits: Tax Rules for Your Beneficiaries What happens to your super when you die? Understanding death benefit nominations, tax on super payouts, and planning for your beneficiaries. https://www.youtube.com/embed/EDmMjG22u68 60 https://www.talkthroughwealth.com/blog/au/super-preservation-age.html https://img.youtube.com/vi/4KOHkB1ZrUw/maxresdefault.jpg Super Preservation Age: When Can You Access Your Super? When can you actually access your super? Understanding preservation age is crucial for retirement planning in Australia. https://www.youtube.com/embed/4KOHkB1ZrUw 56 https://www.talkthroughwealth.com/blog/au/super-self-employed.html https://img.youtube.com/vi/YGhVkXfXpvw/maxresdefault.jpg Super for Self-Employed: Closing the Retirement Savings Gap Self-employed Australians don't get compulsory super. Learn how to build your retirement safety net with tax deductions and contribution strategies. https://www.youtube.com/embed/YGhVkXfXpvw 61 https://www.talkthroughwealth.com/blog/au/super-splitting.html https://img.youtube.com/vi/JvXYWgjkLkg/maxresdefault.jpg Super Splitting: Balancing Retirement Between Partners How couples can split super contributions to balance retirement savings. Super splitting rules, benefits, and when it makes sense. https://www.youtube.com/embed/JvXYWgjkLkg 60 https://www.talkthroughwealth.com/blog/au/transfer-balance-cap.html https://img.youtube.com/vi/AOggMC6toyA/maxresdefault.jpg Transfer Balance Cap: The Limit on Tax-Free Super in Retirement Understanding the $1.9 million transfer balance cap, how it limits tax-free retirement phase super, personal TBC calculations, and couple strategies. https://www.youtube.com/embed/AOggMC6toyA 62 https://www.talkthroughwealth.com/blog/au/ttr-pension-strategies.html https://img.youtube.com/vi/RDdKVjc3Ioo/maxresdefault.jpg TTR Pension Strategies: Transition to Retirement Tax Benefits How TTR pensions work and whether the tax benefits are worth it. A practical guide for Australians approaching retirement. https://www.youtube.com/embed/RDdKVjc3Ioo 67 https://www.talkthroughwealth.com/blog/au/when-can-i-retire.html https://img.youtube.com/vi/vWDfq12yvJM/maxresdefault.jpg When Can I Retire?: Australian Retirement Planning Guide When can you actually retire in Australia? Understanding preservation age, super access rules, and Age Pension eligibility for your retirement plan. https://www.youtube.com/embed/vWDfq12yvJM 63 https://www.talkthroughwealth.com/blog/ca/capital-gains-inclusion.html https://img.youtube.com/vi/OTCLtX5PWCs/maxresdefault.jpg Capital Gains Inclusion Rate: How Timing Your Sales Saves Thousands Canada taxes only a portion of your capital gains. Understanding the inclusion rate—and timing your sales—can save you tens of thousands over a lifetime. https://www.youtube.com/embed/OTCLtX5PWCs 106 https://www.talkthroughwealth.com/blog/ca/cpp-claiming-age.html https://img.youtube.com/vi/lAZyx2f50cE/maxresdefault.jpg CPP at 60 vs 70: When should you start your Canada Pension Plan? When should you start taking CPP? The math behind early vs late claiming and how to figure out what's right for your situation. https://www.youtube.com/embed/lAZyx2f50cE 19 https://www.talkthroughwealth.com/blog/ca/cpp2-enhancement.html https://img.youtube.com/vi/MzhMoQ5DkHk/maxresdefault.jpg CPP2 Enhancement: What the Second Earnings Ceiling Means for You The second additional CPP contribution (CPP2) started in 2024. Here's how it affects your paycheque now and your retirement income later. https://www.youtube.com/embed/MzhMoQ5DkHk 85 https://www.talkthroughwealth.com/blog/ca/dividend-tax-credit.html https://img.youtube.com/vi/y-llXIk6W1E/maxresdefault.jpg Dividend Tax Credit: Why Canadian Dividends Are Taxed Less How the dividend tax credit works, the difference between eligible and non-eligible dividends, and why it matters for your retirement investment strategy. https://www.youtube.com/embed/y-llXIk6W1E 79 https://www.talkthroughwealth.com/blog/ca/divorce-rrsp-splitting.html https://img.youtube.com/vi/BcwfW-Ewb1s/maxresdefault.jpg Divorce and Canadian Finances: RRSP Splitting, CPP Credits, and the Long-Term Retirement Impact Going through a divorce in Canada? See how RRSP splitting, CPP credit splitting, and pension division affect both partners' retirement timelines. https://www.youtube.com/embed/BcwfW-Ewb1s 118 https://www.talkthroughwealth.com/blog/ca/employer-rrsp-match.html https://img.youtube.com/vi/HczNyF00ziw/maxresdefault.jpg Employer RRSP Match: The True Cost of Leaving Free Money on the Table Skipping your employer's RRSP match is like turning down a raise. One missed year at age 25 can cost nearly $45,000 by retirement. Let's run the numbers. https://www.youtube.com/embed/HczNyF00ziw 98 https://www.talkthroughwealth.com/blog/ca/estate-planning-canada.html https://img.youtube.com/vi/e06mCubp5U4/maxresdefault.jpg Estate Planning Basics: What Happens to Your Money When You Die What happens to your RRSP, TFSA, and other assets when you die? Estate planning essentials every Canadian should know. https://www.youtube.com/embed/e06mCubp5U4 81 https://www.talkthroughwealth.com/blog/ca/gic-laddering.html https://img.youtube.com/vi/-S9LsEG9DMc/maxresdefault.jpg GIC Laddering Strategy: Steady Returns Without Locking Up Your Money How to build a GIC ladder for steady returns and liquidity. Compare rates, optimize terms, and avoid locking up all your money. https://www.youtube.com/embed/-S9LsEG9DMc 76 https://www.talkthroughwealth.com/blog/ca/gis-supplement.html https://img.youtube.com/vi/87BEZc2hgjU/maxresdefault.jpg Guaranteed Income Supplement: Tax-Free Top-Up for Lower-Income Seniors The Guaranteed Income Supplement provides extra monthly payments for low-income OAS recipients. Learn eligibility rules and GIS strategies. https://www.youtube.com/embed/87BEZc2hgjU 95 https://www.talkthroughwealth.com/blog/ca/home-buyers-plan.html https://img.youtube.com/vi/C62yA41bp6Q/maxresdefault.jpg Home Buyers' Plan: Using Your RRSP for Your First Home The Home Buyers' Plan lets you withdraw up to $35,000 from your RRSP tax-free for a first home. Here's how it works and whether it makes sense for you. https://www.youtube.com/embed/C62yA41bp6Q 73 https://www.talkthroughwealth.com/blog/ca/rrsp-rrif-conversion.html https://img.youtube.com/vi/7NTb8oTXuFw/maxresdefault.jpg RRSP to RRIF at 71: Understanding Mandatory Minimum Withdrawals What happens when you turn 71 and must convert your RRSP to a RRIF? Understanding minimum withdrawals and tax planning strategies. https://www.youtube.com/embed/7NTb8oTXuFw 79 https://www.talkthroughwealth.com/blog/uk/isa-allowance.html https://img.youtube.com/vi/Z5CAqGYMIyY/maxresdefault.jpg ISA Allowance: Making the Most of Your £20,000 Tax-Free Shelter Your £20,000 ISA allowance is use it or lose it. Here's how to maximise this powerful tax-free savings opportunity. https://www.youtube.com/embed/Z5CAqGYMIyY 71 https://www.talkthroughwealth.com/blog/ca/cpp-dropout-provisions.html https://img.youtube.com/vi/tbSAYkZGu-c/maxresdefault.jpg CPP Dropout Provisions: How Child-Rearing and Low-Earning Years Are Excluded CPP dropout provisions can significantly boost your pension by excluding low-earning years. Learn about child-rearing, general, and disability dropouts. https://www.youtube.com/embed/tbSAYkZGu-c 80 https://www.talkthroughwealth.com/blog/ca/impact-of-fees.html https://img.youtube.com/vi/D4LbmthDgCQ/maxresdefault.jpg The True Cost of High MERs: Canada's Investment Fee Problem How a 0.5% difference in MER costs you hundreds of thousands over your career. The hidden drag on Canadian retirement savings. https://www.youtube.com/embed/D4LbmthDgCQ 72 https://www.talkthroughwealth.com/blog/ca/lifelong-learning-plan.html https://img.youtube.com/vi/FXcn32lGOgk/maxresdefault.jpg Lifelong Learning Plan: RRSP Withdrawals for Education The Lifelong Learning Plan lets you withdraw up to $20,000 from your RRSP for full-time education. A lesser-known programme that can fund a career change. https://www.youtube.com/embed/FXcn32lGOgk 75 https://www.talkthroughwealth.com/blog/ca/lira-lif-conversion.html https://img.youtube.com/vi/A23b06OwL-0/maxresdefault.jpg LIRA to LIF Conversion: Unlocking Your Locked-In Pension Funds How to convert a Locked-In Retirement Account to a Life Income Fund. Provincial rules, withdrawal limits, and pension access strategies. https://www.youtube.com/embed/A23b06OwL-0 77 https://www.talkthroughwealth.com/blog/ca/mortgage-vs-invest.html https://img.youtube.com/vi/NlVXCl_Ibr8/maxresdefault.jpg Mortgage vs Invest: The Canadian Decision Should Canadian homeowners pay off their mortgage early or invest in RRSP and TFSA? Compare the math on guaranteed vs expected returns. https://www.youtube.com/embed/NlVXCl_Ibr8 72 https://www.talkthroughwealth.com/blog/ca/oas-clawback.html https://img.youtube.com/vi/-KMSqOQ9VQw/maxresdefault.jpg OAS Clawback: How to Keep More of Your Old Age Security Old Age Security gets clawed back when your income exceeds certain thresholds. Here's how the recovery tax works and strategies to keep more of your OAS. https://www.youtube.com/embed/-KMSqOQ9VQw 69 https://www.talkthroughwealth.com/blog/ca/pension-adjustment.html https://img.youtube.com/vi/YjdV_rUztfs/maxresdefault.jpg Pension Adjustment: How Your Employer Pension Affects RRSP Room Your employer pension reduces RRSP room through the Pension Adjustment. Learn how PA, PAR, and PSPA work and how to check your RRSP room. https://www.youtube.com/embed/YjdV_rUztfs 79 https://www.talkthroughwealth.com/blog/ca/pension-income-splitting.html https://img.youtube.com/vi/teZUbSPYx1w/maxresdefault.jpg Pension Income Splitting: The Couple's Tax Break That Saves Thousands How Canadian couples can split eligible pension income to reduce household taxes. Rules, strategies, and common mistakes. https://www.youtube.com/embed/teZUbSPYx1w 64 https://www.talkthroughwealth.com/blog/ca/provincial-tax-retirement.html https://img.youtube.com/vi/XQhOFgeToTc/maxresdefault.jpg Provincial Tax in Retirement: Where You Live Changes What You Keep Provincial tax rates can dramatically affect your retirement income. Compare how Ontario, BC, Alberta, Quebec, and Nova Scotia treat retirees differently. https://www.youtube.com/embed/XQhOFgeToTc 79 https://www.talkthroughwealth.com/blog/ca/resp-education-savings.html https://img.youtube.com/vi/pHQXKi0mTEs/maxresdefault.jpg RESP Education Savings: Free Government Money for Your Child's Future The RESP offers free government money through the CESG and CLB. Learn contribution limits, grant rules, and what happens if your child doesn't attend school. https://www.youtube.com/embed/pHQXKi0mTEs 79 https://www.talkthroughwealth.com/blog/ca/rrsp-meltdown.html https://img.youtube.com/vi/hluXypURpQs/maxresdefault.jpg The RRSP Meltdown Strategy: Drawing Down Before You're Forced To How to strategically draw down your RRSP before age 71 to minimize lifetime taxes and OAS clawback. Learn when the meltdown strategy makes sense. https://www.youtube.com/embed/hluXypURpQs 80 https://www.talkthroughwealth.com/blog/ca/rrsp-vs-tfsa.html https://img.youtube.com/vi/WXP8RaGXIR8/maxresdefault.jpg RRSP vs TFSA: Which account grows more over 25 years at $85,000 income? Should you max out your RRSP or TFSA first? The answer depends on your tax bracket now versus retirement. Here's how to think through it. https://www.youtube.com/embed/WXP8RaGXIR8 19 https://www.talkthroughwealth.com/blog/ca/spousal-rrsp.html https://img.youtube.com/vi/V86bQBgAje8/maxresdefault.jpg Spousal RRSP Strategy: Income Splitting for Couples How spousal RRSPs help couples split retirement income and reduce taxes. A guide to income splitting in Canada. https://www.youtube.com/embed/V86bQBgAje8 78 https://www.talkthroughwealth.com/blog/ca/tax-loss-harvesting.html https://img.youtube.com/vi/AMTzYLxKOiU/maxresdefault.jpg Tax Loss Harvesting: Turning Investment Losses into Tax Savings How to use investment losses to reduce your tax bill. Capital loss rules, superficial loss traps, and strategies for Canadian investors. https://www.youtube.com/embed/AMTzYLxKOiU 81 https://www.talkthroughwealth.com/blog/ca/tfsa-strategies.html https://img.youtube.com/vi/_f2Ui0OeV4s/maxresdefault.jpg TFSA Strategies: Your Tax-Free Retirement Powerhouse How to maximize your Tax-Free Savings Account for retirement. Contribution room, investment choices, and withdrawal strategies. https://www.youtube.com/embed/_f2Ui0OeV4s 71 https://www.talkthroughwealth.com/blog/ca/when-can-i-retire.html https://img.youtube.com/vi/xNcZ5Rz6fL0/maxresdefault.jpg When Can I Retire?: Canadian Retirement Planning with CPP and OAS When can you afford to retire in Canada? Model your CPP, OAS, RRSP, and TFSA to find your actual retirement date based on your complete financial picture. https://www.youtube.com/embed/xNcZ5Rz6fL0 91 https://www.talkthroughwealth.com/blog/uk/annuity-vs-drawdown.html https://img.youtube.com/vi/Au9Uj-E98p0/maxresdefault.jpg Annuity vs Drawdown: Choosing Your Retirement Income Strategy Compare annuities and pension drawdown to decide how to turn your pension pot into retirement income. Guaranteed income vs investment flexibility explained. https://www.youtube.com/embed/Au9Uj-E98p0 69 https://www.talkthroughwealth.com/blog/uk/auto-enrolment.html https://img.youtube.com/vi/rOEkaEJ8SIk/maxresdefault.jpg Auto-Enrolment: Why Opting Out Costs You Free Money How auto-enrolment works, why opting out costs you free money, and strategies to maximise your workplace pension contributions over time. https://www.youtube.com/embed/rOEkaEJ8SIk 82 https://www.talkthroughwealth.com/blog/uk/bed-and-isa.html https://img.youtube.com/vi/pPMB7nv5qtA/maxresdefault.jpg Bed and ISA Strategy: Shelter Your Gains From Capital Gains Tax How to use your ISA allowance to shelter existing investments from Capital Gains Tax. The Bed and ISA strategy explained. https://www.youtube.com/embed/pPMB7nv5qtA 75 https://www.talkthroughwealth.com/blog/uk/db-pension-transfers.html https://img.youtube.com/vi/pZaenGCSO8k/maxresdefault.jpg DB Pension Transfers: Think Carefully Before Giving Up Guaranteed Income Why transferring out of a defined benefit pension is one of the biggest financial decisions you can make. Understand CETVs, FCA rules, and the risks. https://www.youtube.com/embed/pZaenGCSO8k 75