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Chad Darbyshire - CI Assante Wealth Management

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Chad Darbyshire - CI Assante Wealth Management

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.

09/15/2026

Should You Withdraw From Your RRSP Before You Retire?

Should you start withdrawing money from your RRSP before you're required to? For some Canadians, the years between retirement and the start of CPP, OAS and mandatory RIF withdrawals can create valuable tax-planning opportunities.

In this video, I explain why taking money from an RRSP earlier can sometimes make sense—and why simply leaving everything untouched isn't always the best strategy.

You'll learn:
• Why RRSP withdrawals are taxable
• How lower-income retirement years can create planning opportunities
• Why delaying withdrawals can sometimes lead to larger future tax bills
• How RRSP withdrawals interact with CPP, OAS and RIF income
• Why lifetime taxes can matter more than this year's 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.

Let's 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/PUppuylGVfU

Should you start withdrawing money from your RRSP before you're req...

09/10/2026

How Much Money Do You Really Need To Retire In Canada?

Is $500,000 enough? What about $1 million? The truth is there isn't one retirement number that works for every Canadian.

In this video, I explain why your spending, CPP, Old Age Security, pensions, taxes, inflation and retirement age can matter just as much as the size of your investment portfolio.

You'll learn:
• Why there isn't one magic retirement number
• How your retirement lifestyle determines how much you need
• Why CPP, OAS and pensions can dramatically change the calculation
• How taxes affect your retirement income
• Why $1 million may be plenty for one retiree and not enough for another

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

Let's 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/Ms_NxkBdAR8

Is $500,000 enough? What about $1 million? The truth is there isn't...

09/08/2026

Will You Lose Your Old Age Security? Here's What Every Canadian Should Know.

Many Canadians worry about the OAS clawback, but there's a lot of confusion about how it actually works.

In this video, I explain what the OAS recovery tax is, what causes it, and why good retirement income planning can make a significant difference.

You'll learn:
• How the OAS recovery tax works
• What income counts toward the clawback
• Common myths about Old Age Security
• Why RRIF withdrawals and CPP matter
• How to build a smarter retirement income plan

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

Let's 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/yxnpsTY3Kao

Will you lose your Old Age Security in retirement?Many Canadians ...

09/03/2026

Don't Wait Until 71 to Plan Your RRIF (Here's Why)

Most Canadians know they have to convert their RRSP by the end of the year they turn 71. What many don't realize is that some of the biggest retirement planning opportunities happen years before that deadline.

In this video, I explain why waiting until age 71 can be a costly mistake, how RRIF withdrawals affect your retirement income, and why planning ahead may help reduce taxes and create more flexibility throughout retirement.

You'll learn:
• Why planning before age 71 matters
• How RRIF withdrawals affect your retirement income
• Common RRIF planning mistakes
• Why taxes should be part of every RRIF strategy
• How to create a smarter retirement income plan

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

Let's 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://www.youtube.com/watch?v=MsVVvR8HB0s

Most Canadians know they have to convert their RRSP by the end of t...

09/01/2026

Should You Take CPP at 60, 65 or 70. The Answer Isn't What You Think.

This is one of the biggest retirement decisions Canadians make, yet there isn't one answer that's right for everyone.

In this video, I explain how CPP works, the pros and cons of starting early versus delaying, and the factors you should consider before making one of the most important retirement income decisions of your life.

You'll learn:
• The advantages and disadvantages of taking CPP at age 60, 65, or 70
• Why your health, taxes, RRSPs, RRIFs, and retirement income all matter
• Common mistakes Canadians make when deciding when to start CPP
• How to determine the right CPP strategy for your own retirement plan

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

Let's connect:
👉 Retirement Reality Check: https://lnkd.in/eS_N5Zti
👉 Book a Meeting: https://lnkd.in/eyRhszWE
👉 https://lnkd.in/gyA39qSp

If you found this video helpful, please subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

Video:
https://youtu.be/L5ogNNm-LBA

Should you take CPP at age 60, 65, or wait until age 70?This is o...

08/28/2026

The Widow's Tax Trap Nobody Talks About

What happens to your taxes and retirement income when your spouse dies?

Many Canadian widows are surprised to discover that household income can fall while their tax rate actually increases.

CPP survivor benefits may be lower than expected, one OAS payment disappears, income splitting can be reduced, and RRIF or pension income may push the surviving spouse into a higher tax bracket.

That’s the Widow’s Tax Trap — and it’s something Canadian couples should plan for before retirement.

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

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

Watch the full video to learn how survivor planning can help protect your retirement income.

https://youtube.com/shorts/XgxB7x0YgIs

What happens to your taxes and retirement income when your spouse d...

08/27/2026

Are You A Widow-This Is The Tax Trap Nobody Talks About

Many Canadian widows are shocked to discover that losing a spouse can also mean paying more tax, losing income, and facing difficult financial decisions.

In this video, I explain the Widow's Tax Trap, why it happens, and the retirement planning strategies that can help reduce the impact.

We'll cover CPP survivor benefits, OAS, RRIF withdrawals, pension income, tax brackets, and practical planning ideas for Canadian retirees.

If you're retired, approaching retirement, or planning as a couple, this is one conversation you don't want to ignore.

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

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

If you found this video helpful, please subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

https://youtu.be/YhOdZEbUeEI

Many Canadian widows are shocked to discover that losing a spouse c...

08/20/2026

Executor Mistake After A Parent Passes Away

Being named Executor comes with serious responsibilities — and one mistake can create tax problems, legal issues, and family conflict.

Here’s one of the biggest mistakes Executors make after a parent dies and what you should do instead.

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

For more Canadian retirement, tax, and estate planning tips, subscribe to the channel.

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

https://youtube.com/shorts/mD0QMe9c7-g

Being named Executor comes with serious responsibilities — and one ...

08/13/2026

2nd Marriage Estate Trap

Second marriages can create estate planning problems that families often don't discover until someone dies.

When a new spouse, children from a previous marriage, a family home, investments, and beneficiary designations are involved, good intentions aren't always enough.

In this Short, I explain one of the biggest estate planning traps blended families need to think about — and why clear planning matters.

If you're remarried, have adult children, or are planning your estate, this is something you shouldn't ignore.

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

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Email me [email protected]
https://www.oaktreeandassociates.ca

If you found this video helpful, please subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

https://youtube.com/shorts/VKS4XrMOYFE

Second marriages can create estate planning problems that families ...

08/11/2026

The 2nd Marriage Estate Trap

Second marriages can create complicated estate planning issues that many families never see coming.

What happens when children from a first marriage, a new spouse, retirement accounts, and a family home all collide?

In this video, I explain one of the biggest estate planning mistakes I see, why good intentions often lead to family conflict, and what Canadian families can do to avoid expensive legal and emotional battles.

If you're remarried, considering remarriage, or have adult children, this is a conversation worth having.

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

Let's connect:
👉 Retirement Reality Check: https://form.typeform.com/to/lSIpcQwD
👉 Book a Meeting: https://oaktreeandassociates.ca/contact-4
👉 Email me [email protected]
https://www.oaktreeandassociates.ca

If you found this video helpful, please subscribe for weekly retirement planning strategies designed specifically for Canadians approaching or enjoying retirement.

https://youtu.be/51qaPMjnSBY

Second marriages can create complicated estate planning issues that...

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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