Retirement | Clarity

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The Clarity Blog
Planning, Saving, Investing

Welcome to the Clarity blog.

Here you will find easy-to-read, unbiased, lingo-free information on topics related to investing, saving, and financial planning from me, Anita Bruinsma. I have 25 years of experience living and breathing finance and founded Clarity to bring affordable and accessible personal financial advice and education to Canadians.

If you would like some personal financial planning and investing advice or are interested in learning more about money through one-on-one conversation, check out the Services page and email me - let's talk!

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Got pension plan envy? Get over it.

Sep 20, 20234 min

Got pension plan envy? Get over it.

Mimic the benefits of a pension plan to build your own retirement income.

Which accounts are right for me?

Sep 13, 20235 min

Which accounts are right for me?

So many choices for your savings Saving is boring. Putting money aside for the future detracts from our ability to spend today, and the...

The challenge of slowing down

Aug 3, 20233 min

The challenge of slowing down

It’s truly feeling like classic mid-summer: sunny, hot, lazy. This time of year makes me feel carefree – or rather, that I’d like to be...

Your retirement number is wrong...and that's OK

Jul 27, 20235 min

Your retirement number is wrong...and that's OK

Your retirement estimate is probably wrong, but is still well worth calculating.

No house? No problem.

May 3, 20234 min

No house? No problem.

Owning a home isn't the only way to build wealth.

The Million Dollar Question

Apr 25, 20235 min

The Million Dollar Question

This commonly-cited retirement figure doesn't have to be intimidating A million dollars. That’s the number that seems to come up a lot...

CPP: What you need to know

Mar 29, 20234 min

CPP: What you need to know

Anyone who's ever worked in Canada should understanding the basics of the Canada Pension Plan.

RRSP season: the big gimmick

Feb 14, 20234 min

RRSP season: the big gimmick

Retirement planning should be a year-round endeavour, not done hastily during RRSP season.

Beating Inflation

Nov 14, 20224 min

Beating Inflation

If you’re feeling anxious about the stock market, remind yourself why you got invested in the first place: inflation.

Your Home and Your Retirement Part 2

Aug 16, 20224 min

Your Home and Your Retirement Part 2

Using your HELOC in retirement might help you to retire sooner or with a higher standard of living.

Your Home and Your Retirement

Aug 8, 20223 min

Your Home and Your Retirement

Don't ignore the value of your home in your retirement plan.

What's Your Retirement Number?

May 24, 20224 min

What's Your Retirement Number?

Many factors go into your retirement savings estimate. Understanding what they are can help you get a more personalized number.

What's so great about dividends?

May 2, 20225 min

What's so great about dividends?

Dividends generate income from your investments, and have advantages over interest-bearing alternatives.

Do I really need to be in the stock market?

Feb 23, 20223 min

Do I really need to be in the stock market?

Your retirement savings need to grow at a rate that's at least as high as inflation - and you can't do that with a savings account.

Financial Coaching: The In-Between Solution

Feb 16, 20222 min

Financial Coaching: The In-Between Solution

A financial advisor or financial planner isn't an option for everyone. Financial coaching fills the advice gap.

Am I On Track?

Feb 15, 20223 min

Am I On Track?

Life's been busy and now you're pausing to ask yourself "Am I on track financially?" You have goals and dreams - are they achievable?

Check out my favourite quotes to inspire you!

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