NoahLundy

10/12/2026

Website finally live!

Working most of the time on helping clients achieve financial independence is highly time-consuming! 🙂 So not much time is left for things like website development, advertising, making blog posts, and such; however, I've been wanting to do this for a while now! 🙂 I think I can help people find out more about the basics of what I want to help them with when it comes to their money. I want to have an ongoing discussion.The biggest thing I help people understand is that financial independence is much more achievable than they think.The mindset most people have about money is so limited. I want to make sure you know you can be wealthy. No get-rich-quick schemes, no lotto winnings, no illegal plans! Just proven methods that have worked for thousands of others working for you!

Working most of the time on helping clients achieve financial independence is highly time-consuming! :) So not much time is left for things like website development, advertising, making blog posts,…

09/30/2026

Canada Senior Benefit Clawback Starts Sooner
Understanding how Canada’s senior benefit recovery works can make a huge difference in your retirement planning. For 2026 income, benefit clawbacks will begin on net world income above $95,300, reducing payments from Early-Q3 2027 through Late-Q2 2028. Net income includes everything from public pensions, RRIF withdrawals, and investment returns, to eligible Canadian dividends—which are grossed up, so $10,000 is counted as $13,800. For example, if you have $90,000 in retirement and investment income, and withdraw $20,000 from your RRIF, your net income would hit $110,000 and trigger an estimated $2,200 recovery tax for that year. At age 72, a $500,000 RRIF requires a $27,000 withdrawal, whether or not you need that cash—this is where timing truly matters. By considering partial RRSP withdrawals in lower-income years, funding your TFSA, pension splitting, or even delaying senior benefits, it's possible to hold onto more of your income over time. My approach has always been about building strategies that lower financial stress and help you feel in control when life throws the unexpected your way.

09/29/2026

National Day for Truth and Reconciliation

09/29/2026

Smart Moves to Maximize Your RRSP Before 65
Let’s connect and talk about the latest insights in the industry!

09/28/2026

The New Life Insurance Buyer Looks Different
It's fascinating to see how the conversation around life insurance is evolving, especially among younger individuals. They’re looking beyond just a death benefit—they want options that support their broader financial well-being, like retirement income and long-term care, right alongside other living benefits. The demand for flexibility is front and center. People want policies that can change as their lives and finances do. Even with the rise of digital access, it’s clear that when it comes to big decisions, personal guidance still matters. To me, this shift makes sense. Life insurance is no longer just a one-time purchase for a single event—it’s becoming an adaptable piece of your long-term financial strategy. That kind of forward-thinking approach is exactly how I encourage clients to think about their financial security: as a tool to reduce stress and build a solid foundation for whatever life throws your way.

09/27/2026

Want to Build Your Own Pension? Here's How Canadian Dividend ETFs Can Help
Many Canadians worry that government and workplace pensions alone might not be enough for a comfortable retirement. Over the years, I've seen how the absence of a steady income stream can create unnecessary stress—especially when unexpected expenses arise. One option I often discuss is using dividend-paying stocks inside a TFSA. This approach can deliver tax-free, diversified monthly income and won’t impact your government benefits. Creating your own pension-like income stream is about taking control and reducing financial anxiety. With a thoughtful plan, you can build a foundation that supports a life with fewer money worries.


http://www.richarksolutions.com/agent-news/noah-lundy/1940043-Want-to-Build-Your-Own-Pension%3F-Here%27s-How-Canadian-Dividend

09/26/2026

The $1 Million Retirement Question Investors Are Asking Now
Many Canadians are wondering if $1 million is enough to retire comfortably. The truth is, that number alone often falls short once you factor in unpredictable expenses, inflation, taxes, and especially healthcare costs. From my perspective, real financial security in retirement comes from more than just a target sum—it’s about having a plan that provides sustainable income, draws from a variety of sources, and adapts to changes along the way. I approach wealth not as a guarantee of happiness, but as a tool to reduce life's stresses. Thoughtful, flexible, and balanced retirement planning is essential to helping you face the future with confidence, no matter what life throws your way.


http://www.richarksolutions.com/agent-news/noah-lundy/1955635-The-%241-Million-Retirement-Question-Investors-Are-Asking-Now

09/25/2026

Could Housing Wealth Become the Missing Piece in Canadian Retirement Portfolios?
Housing wealth often plays a significant role in shaping Canadian retirement plans. Owning your home outright can ease financial stress by reducing monthly expenses in retirement, while still having a mortgage—or renting—can put extra strain on your budget. Downsizing might unlock equity to address unexpected needs, though it may come with lifestyle adjustments. For many, tapping into home equity provides a buffer for emergencies or care costs. Still, it’s important to remember that relying solely on housing can put your long-term security at risk. Building a diversified financial game plan is key to reducing stress and creating the flexibility to handle life’s surprises with confidence.


http://www.richarksolutions.com/agent-news/noah-lundy/1918538-Could-Housing-Wealth-Become-the-Missing-Piece-in-Canadian-Re

09/24/2026

Dividends vs Home Equity for Retirement
When it comes to building a less stressful retirement, it’s worth looking beyond just the headline numbers. Canada’s main stock index has reached new heights, even as the economic picture feels a bit mixed—interest rates are steady near 2%, and unemployment sits in the mid-6% range. But when considering income streams, chasing the highest dividend yield alone doesn’t guarantee stability. I look deeper: cash flow, payout ratios, debt levels, earnings, and a company’s track record for growing dividends all matter when I assess whether an income source will really help provide peace of mind in retirement. Sometimes, a high yield simply means a stock’s price has dropped—not always a good sign. Instead of relying on any one source, I see dividend-paying stocks as a complement to public benefits, bonds, GICs, and ETFs. Canadian banks, pipelines, utilities, telecoms, insurers, and infrastructure companies still anchor the income landscape, and dividend-focused funds can spread out company-specific risk. Inflation and equity valuations can influence both investment and mortgage strategies, but the real takeaway is that a well-diversified plan—not just dividends or tapping into home equity—offers the financial resilience that helps keep life’s surprises from becoming emergencies.

09/23/2026

Canada’s September 2026 Benefit Payments
Managing rising living costs is a challenge I see every day—and it’s why I keep a close eye on key support programs that can ease financial stress. In September 2026, several important federal benefit payments in Canada provided families and individuals with resources at just the right time. For example, the child benefit payment—issued on September 18—offered eligible families up to about $8,000 annually, helping those caring for children meet everyday needs. On September 17, adults qualifying for the disability tax credit received up to $204 in monthly disability support. And for those planning their retirement income, both the retirement pension and seniors pension were paid out on September 25, providing up to roughly $1,500 monthly at age 65, with even higher maximums after age 75 and the added simplicity of possible auto-enrollment. These payments are more than dates on a calendar—they’re cornerstones in many people’s financial game plans. Thinking ahead, and understanding how to align these supports with your overall strategy, can mean the difference between feeling anxious or confident when life throws you a curveball.