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Chad Darbyshire - CI Assante Wealth Management

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Chad Darbyshire - CI Assante Wealth Management

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Wealth Management Advisor at CI Assante Wealth Management Managing your wealth means far more than managing your investments.

To properly grow and protect your wealth takes a caring manor, and an integrated approach. It is not just about where you are today but where you want to be. Although our strategies can sometimes be complex, the way we explain it is not.

10/22/2026

The First 5 Years of Retirement Could Decide How Much Tax You Pay

The first five years of retirement can be some of the most important tax-planning years of your life. When your employment income stops—but before every retirement income source begins—you may have an opportunity to decide where your income comes from rather than simply accepting whatever happens.

In this video, youll learn:
• Why early retirement can create a valuable tax-planning window
• Why paying almost no tax today isnt necessarily the goal
• When earlier RRSP withdrawals may make sense
• How CPP and OAS timing affect the strategy
• Why your TFSA can become increasingly valuable later
• How future RIF withdrawals affect the picture
• Why lifetime tax can matter more than this years tax bill

Hi, I'm Chad Darbyshire, Wealth Management Advisor with CI Assante Wealth Management for over 18 years, helping Canadians reduce taxes, invest wisely, and retire with clarity and confidence.

Full video: https://youtu.be/AqJQQwmmQuY

Lets connect!
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://calendly.com/cdarbyshire
👉 Website: https://www.oaktreeandassociates.ca
👉Email: [email protected]

Subscribe for weekly videos about Canadian retirement planning, retirement income, CPP, OAS, RRSPs, RIFs, taxes and estate planning.

The first five years of retirement can be some of the most importan...

10/20/2026

The RRSP-to-RIF Mistake That Could Cost You in Retirement.

Many Canadians assume the strategy is simple: leave the RRSP alone until age 71, convert it to a RIF, and then start taking money out. But waiting until the deadline—or converting too early without understanding the consequences—can affect your retirement income and tax strategy.

In this video, youll learn:
• When your RRSP must be converted to a RIF
• Whether you can convert before age 71
• What changes when an RRSP becomes a RIF
• When minimum RIF withdrawals begin
• Why converting too early isnt automatically better
• Why waiting until 71 isnt necessarily better
• How CPP, OAS and other retirement income affect the decision

Hi, I'm Chad Darbyshire, Wealth Management Advisor with CI Assante Wealth Management for over 18 years, helping Canadians reduce taxes, invest wisely, and retire with clarity and confidence.

Lets connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://calendly.com/cdarbyshire
👉 Website: https://www.oaktreeandassociates.ca
👉 Email: [email protected]

Full Video: https://youtu.be/kAijJ0szUGw

Subscribe for weekly videos about Canadian retirement planning, retirement income, CPP, OAS, RRSPs, RIFs, taxes and estate planning.

Many Canadians assume the strategy is simple: leave the RRSP alone ...

10/15/2026

Should you pay off your mortgage before retirement in Canada—or keep your money invested? The wrong decision could mean higher taxes, reduced investment savings, or unnecessary financial pressure during retirement.

In this video, I explain the pros and cons of retiring with a mortgage, how paying it off using RRSP or TFSA savings can affect your retirement plan, and why mortgage rates, investment returns, taxes and cash flow should all factor into your decision.

Youll learn:
• Whether you should pay off your mortgage before retiring
• The risks of carrying mortgage debt into retirement
• Why using RRSP withdrawals to pay off a mortgage can trigger significant taxes
• How TFSA savings and non-registered investments affect your options
• Why mortgage interest rates and investment returns matter
• How mortgage payments affect your retirement income and cash flow
• Why becoming mortgage-free isnt always the best financial decision

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

Lets connect:
👉 Retirement Readiness Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Contact Chad: [email protected]
👉 https://www.oaktreeandassociates.ca

Full Video: https://youtu.be/Myq3_9piBzo

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Should you pay off your mortgage before retirement in Canada—or kee...

10/13/2026

What Happens to Your RRSP When You Die? The Tax Bill May Surprise You. Your family could face a substantial tax bill, even if youve named your children as beneficiaries.

Many Canadians assume their RRSP or RIF will simply pass to their beneficiaries when they die. But the Canada Revenue Agency (CRA) has specific rules about registered retirement accounts, taxes at death, spousal rollovers and estate planning.

In this video, youll learn:
-What happens to your RRSP or RIF when you die in Canada
-Why a $600,000 RRSP could create a significant final tax bill
-How RRSP and RIF beneficiaries are treated for tax purposes
-When a surviving spouse may qualify for a tax-deferred rollover
-Why naming your children as beneficiaries doesnt eliminate the tax
-What happens to registered retirement savings after the second spouse dies
-How retirement withdrawal planning may help manage future estate taxes
-Why reviewing your beneficiary designations is so important

The biggest mistake? Assuming the money your beneficiaries receive is automatically tax-free.

Understanding the rules before you die can help your family avoid unexpected financial complications.

Hi, Im Chad Darbyshire, Wealth Management Advisor with CI Assante Wealth Management Ltd. for over 18 years, helping Canadians reduce taxes, invest wisely, and retire with confidence.

Lets connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://calendly.com/cdarbyshire
👉 Website: https://www.oaktreeandassociates.ca

Full Video https://youtu.be/0vGCCVk4EII

Subscribe for weekly videos about Canadian retirement planning, retirement income, CPP, OAS, RRSPs, RIFs, taxes and estate planning.

What happens to your RRSP or RIF when you die in Canada? Your famil...

10/08/2026

Retiring Soon? Avoid These 7 Costly Retirement Mistakes

Retirement planning isnt just about reaching a savings target. In this video, I cover 7 common retirement mistakes Canadians should think about before leaving the workforce—from CPP and OAS timing to taxes, investments, debt and planning for the surviving spouse.

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

Lets connect:
👉 Retirement Readiness Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 https://www.oaktreeandassociates.ca

Full Video
https://youtu.be/QOAV7DN5Ljo

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Retirement planning isn't just about reaching a savings target. I...

10/06/2026

RRSP, TFSA or Non-Registered: Which Money Should You Spend First?

What’s the best retirement withdrawal strategy in Canada? Should you withdraw from your RRSP first, use your TFSA, sell non-registered investments, or combine several sources of retirement income?

There isnt one withdrawal order thats right for every Canadian. In this video, I explain how withdrawals from different investment accounts are taxed and why blending your retirement income sources can sometimes make more sense than completely spending one account before touching another.

Youll learn:
• How RRSP withdrawals are taxed
• Why TFSA withdrawals provide valuable flexibility
• How selling investments in a non-registered account works
• Why a $20,000 non-registered withdrawal isnt necessarily $20,000 of taxable income
• Why leaving your RRSP untouched isnt always optimal
• How CPP, OAS and RRIF income can affect withdrawal decisions
• Why the best withdrawal strategy may involve several accounts at once

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

Lets connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Website https://www.oaktreeandassociates.ca

Full Video
https://youtu.be/AXZzVGZyBaE

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

What’s the best retirement withdrawal strategy in Canada? Should yo...

10/01/2026

RRSP, TFSA or Non-Registered: Which Money Should You Spend First?

What’s the best retirement withdrawal strategy in Canada? Should you withdraw from your RRSP first, use your TFSA, sell non-registered investments, or combine several sources of retirement income? There isnt one withdrawal order thats right for every Canadian.

In this video, I explain how withdrawals from different investment accounts are taxed and why blending your retirement income sources can sometimes make more sense than completely spending one account before touching another.

You'll learn:
• How RRSP withdrawals are taxed
• Why TFSA withdrawals provide valuable flexibility • How selling investments in a non-registered account works
• Why a $20,000 non-registered withdrawal isnt necessarily $20,000 of taxable income
• Why leaving your RRSP untouched isnt always optimal
• How CPP, OAS and RRIF income can affect withdrawal decisions
• Why the best withdrawal strategy may involve several accounts at once

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

Full Video:
https://youtu.be/AXZzVGZyBaE

Lets connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 https://www.oaktreeandassociates.ca

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

What’s the best retirement withdrawal strategy in Canada? Should yo...

09/29/2026

How Much Tax Will You Actually Pay in Retirement in Canada?

How much tax will you actually pay once you retire in Canada, you may in for a shock? Many Canadians assume their tax bill will automatically drop in retirement. But income from CPP, OAS, pensions, RRSPs, RIFs and non-registered investments can add up quickly.

In this video, I explain why two retirees spending exactly the same amount can have very different tax bills—and why where your retirement income comes from can be just as important as how much youve saved.

Youll learn:
• Why retirement doesnt automatically mean lower taxes
• How CPP, OAS, pensions and RRIF withdrawals interact
• Why TFSA withdrawals can provide valuable tax flexibility
• Why non-registered withdrawals are different from RRIF withdrawals
• How mandatory RRIF withdrawals can affect taxable income
• Why losing a spouse can dramatically change the household tax picture
• Why lifetime tax planning matters more than simply minimizing this years tax bill

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

Lets connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 https://www.oaktreeandassociates.ca

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Full Video:
https://youtu.be/YLQosiImJeE

How much tax will you actually pay once you retire in Canada, you m...

09/24/2026

Delaying OAS to 70: Is the Bigger Payment Worth the Wait?

Canadians can delay OAS after age 65 in exchange for a larger monthly payment. Your OAS increases by 0.6% for every month you delay—up to a 36% increase at age 70. But a bigger monthly payment doesn't automatically mean delaying is the right decision.

Let's connect: 👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD

In this video, I explain:
• How delaying OAS works
• Why OAS increases when you wait
• The difference between starting at 65 and delaying to 70
• How health and longevity affect the decision
• Why your taxable income and the OAS recovery tax matter
• Why GIS recipients generally shouldn't delay OAS
• How OAS timing fits with CPP, RRSP and RIF planning

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

👉 Book a Meeting: https://lnkd.in/eyRhszWE
👉 Website: https://www.oaktreeandassociates.ca

Full Video
https://youtu.be/txoCBZg1N1Q

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Canadians can delay OAS after age 65 in exchange for a larger month...

09/22/2026

The Pension Income Splitting TRAP (How Canadian Couples Pay Less Tax)

Can Canadian couples legally split retirement income and potentially reduce their household tax bill? In some situations, yes. Canadian pension income-splitting rules may allow you to allocate up to 50% of certain eligible pension income to your spouse or common-law partner for tax purposes.

Let's connect:
👉Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD

In this video, I explain how pension income splitting works, what types of retirement income may qualify, and why the strategy can become particularly important after age 65.

You'll learn:
• How pension income splitting works in Canada
• Why couples with different incomes may benefit
• Why CPP and OAS are treated differently
• How RIF income after 65 can create planning opportunities
• Why you don't necessarily need to split 50%
• How pension splitting fits into your overall retirement tax strategy

I'm Chad Darbyshire, Wealth Management Advisor with over 18 years of experience helping Canadians reduce tax, invest wisely, and retire with confidence.

👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 https://www.oaktreeandassociates.ca

Full Video:
https://youtu.be/Tj6d7oSc_Is

Subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Can Canadian couples legally split retirement income and potentiall...

Address

#310 15288-54a Avenue
Surrey, BC
V3S6T4

Opening Hours

Monday	9am - 4:30pm
Tuesday	9am - 4:30pm
Wednesday	9am - 4:30pm
Thursday	9am - 4:30pm
Friday	9am - 4:30pm

Website

https://www.oaktreeandassociates.ca/, https://www.youtube.com/@ChadDarbyshirewealth, https://www.linkedin.com/in/chaddar

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