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. 

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

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