Our financial planners have been quoted in the following media:

 

Consider raising the cash portion of your RRIF portfolio to fund withdrawals. If you are having to constantly sell investments to meet the withdrawal requirements, you may be forced to sell during a market downturn. "Those market dips can work against you. And you will never have the opportunity to recover," says Marc Lamontagne, a certified financial planner and partner at Ottawa-based Ryan Lamontagne Inc. The way to prevent having to sell investments at the worst of times is to keep a sufficient cash reserve. 

Michael Ryval - February 26, 2018

Link: http://cawidgets.morningstar.ca/ArticleTemplate/ArticleGL.aspx?culture=en-CA&id=848760

PDF text: Six key guidelines for RRIF investors

Marc Lamontagne, CFP, a founding partner at Ottawa-based Ryan Lamontagne Inc. agrees and says retirees often spend more in their early years away from the 9 to 5 work environment. “It’s the initial excitement of retirement, but then as they get older they spend less. It’s helpful to walk people through the various stages to find out how much they will actually need,” he says. 

Financial Planning Standards Council - December 7, 2017

Link: https://www.financialplanningforcanadians.ca/financial-planning/navigating-the-seniors-financial-roadmap

Ottawa has said all past investments will be protected and the new $50,000 annual threshold will be on a "go-forward basis." When does the future start? Marc Lamontagne, founding partner at Ottawa-based financial planning firm Ryan Lamontagne Inc., says business owners are wondering if they should be acting now to maximize the grandfathering rules. "Does that mean I have to invest as much money as I can before Dec. 31 or the budget date? Should I go and borrow and invest?" Mr. Lamontagne asks, on behalf of his clients.. 

Small-business owners remain in limbo over how Ottawa's latest proposed tax changes will affect their livelihoods. While the federal Liberal government recently removed some of the controversial proposals tabled in July, there's still uncertainty around pending changes to income sprinkling and a cap on passive investments.

Brenda Bouw, October 26 2017

PDF text: Five Unanswered Questions About the Liberals' Proposed Small Business Tax Changes

Link: https://beta.theglobeandmail.com/report-on-business/small-business/sb-money/five-unanswered-questions-about-the-liberals-proposed-small-business-tax-changes/article36744194/?ref=http://www.theglobeandmail.com&

"Since the TFSA money is for the long-term—retirement—now’s the time for her to educate herself on investing and look at a strategy that she will understand and be comfortable with" says Vickie Campbell, a certified financial planner with Ryan Lamontagne in Ottawa . 

Chris Upton is 42 and looking for a simple investment strategy while she focuses on her business. Here’s what the pros suggest

Julie Cazzin, July 2017

Full text: A no-fuss TFSA