The Rob Tetrault Show

Hosted by Rob Tetrault

BusinessInterviews guests

Website RSS feed

Episodes

300

Latest episode

Oct 2026

Language

About the show

Award-Winning Portfolio Manager Rob Tetrault provides insight for investors on a wide array of wealth management topics. Constantly ranked in the Top 5 Wealth Advisors in Canada, Rob is a Senior Investment Advisor and Portfolio Manager at Tetrault Wealth from Canaccord Genuity Wealth Management. He initially worked as a litigation lawyer at Aikins MacAulay Thorvaldson. He then completed a Finance MBA and was a member of the Dean's list at the Asper School of Business. The Rob Tetrault podcast show includes discussions on investment, tax, insurance, retirement and estate planning. From RESPs to Family Trusts, Rob's goal is to provide value and crucial information to all investors no matter what age and what their current net worth is. Disclaimer: http://ow.ly/XvqU30o8uTc © Copyright 2026 All Rights Reserved. No part of this podcast may be used without permission.

Listen to episodes

60 recent

October 28, 2026Episode 18321 min

8 Boring Retirement Decisions That Could Save You a Fortune

🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ 📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj ⭐️⭐️ 8 Boring Retirement Decisions That Could Save You a Fortune The best retirement decisions are rarely the most exciting ones, but they can make a huge difference to how much money you keep, how confidently you spend, and how much stress you carry throughout retirement. In this video, I break down 8 important retirement decisions Canadians should think about before they stop working. Retirement planning isn't just about reaching a certain portfolio number. Two Canadians can retire with the exact same amount of money and experience completely different outcomes depending on how their income, taxes, withdrawals, investments, CPP, OAS, and estate plans are coordinated. We cover how to figure out what retirement will actually cost, whether retirement should be a hard stop or a gradual transition, and how even modest income in the first few years can reduce pressure on your portfolio and help manage sequence of return risk. We also get into retirement withdrawal strategy. Should you draw from your RRSP, TFSA, non-registered investments, or corporation first? The account that creates the lowest tax bill today does not always create the lowest lifetime tax bill. That's why low-income years can be so valuable. For some Canadians, deliberately withdrawing from an RRSP before CPP, OAS, pensions, and RRIF minimums all begin may help reduce lifetime taxes. I also explain why an RRSP needs an exit strategy. An RRSP is tax deferred, not tax free, and allowing a large balance to grow untouched can eventually lead to significant taxable RRIF withdrawals later in retirement. CPP and OAS timing are also part of the bigger picture. There is no universal answer for when to start CPP. The right decision depends on your health, longevity expectations, tax situation, guaranteed income, investment assets, and how you plan to fund the years in between. We also discuss how to protect the early years of retirement without abandoning long-term growth, and why your retirement should not depend on the stock market always cooperating. Finally, we talk about what the money is actually for. Spending confidently, supporting family, leaving an estate, helping a spouse, donating to charity, or preserving a business can all lead to different retirement strategies. TIME STAMPS: 00:00 - Why This Is Important 01:30 - Decision 1 03:48 - Decision 2 05:55 - Decision 3 08:30 - Decision 4 11:08 - Decision 5 13:19 - Decision 6 15:29 - Decision 7 18:15 - Decision 8 20:09 - The 8 Boring Decisions That Can Save You A Fortune #retirement #retirementplanning #retirementcanada #canadianretirement #rrsp #rrif #tfsa #cpp #oas #retirementincome #taxplanning --- The information contained herein has been provided for information purposes only. The information has been drawn from sources believed to be reliable. Wellington-Altus Private Wealth Inc. has made every effort to ensure the accuracy of the information contained herein but makes no guarantees as to its accuracy or completeness. Graphs, charts and other numbers are used for illustrative purposes only and do not reflect future values or future performance of any investment. The information does not provide financial, legal, tax or investment advice. Particular investment, tax, or trading strategies should be evaluated relative to each individual's objectives and risk tolerance. This does not constitute a recommendation or solicitation to buy or sell securities of any kind. Market conditions may change which may impact the information contained in this document. Before acting on any of the above, please contact your financial advisor. --- Topics covered: retirement planning canada, canadian retirement, retirement tax planning, RRSP withdrawal strategy, RRIF withdrawal strategy, TFSA retirement strategy, CPP timing, OAS timing, sequence of return risk, retirement income, retirement spending, RRSP drawdown, retirement portfolio, estate planning Canada

October 5, 2026Episode 1829 min

How Much Money Do You Actually Need for $10,000/Month in Retirement?

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ Do You Really Need $2.5 Million for a $10,000/Month Retirement? How much money do you actually need to generate $10,000 per month in retirement in Canada? The answer is more complicated than simply multiplying $120,000 by a withdrawal rate. In this video, I break down what it can actually take to create $10,000 per month of after-tax retirement income, and why two Canadian couples with the exact same spending goal could require very different investment portfolios. A $120,000 annual lifestyle does not necessarily mean your portfolio needs to produce the full $120,000. CPP, OAS, workplace pensions, real estate income, and other sources of retirement income can all help reduce the amount that needs to come from your investments. We look at how CPP and Old Age Security can form the foundation of a Canadian retirement income plan, while also explaining why you should not automatically assume you will receive the maximum CPP benefit. From there, we get into one of the most important parts of retirement planning in Canada: taxes. RRSP and RRIF withdrawals are taxable, while TFSA withdrawals are tax-free. Non-registered investments can generate dividends, interest, capital gains, or simply a return of your original capital. Where your retirement savings are located can therefore have a major impact on how much you need to withdraw to create the same amount of after-tax cash flow. I also explain why the traditional 4% rule can be a useful reference point, but should not be treated as the entire retirement plan. A $2.5 million portfolio may sound like a reasonable starting point for producing $100,000 per year, but the answer changes significantly depending on whether those assets are held in RRSPs, TFSAs, non-registered accounts, corporate accounts, or a combination of each. We also discuss CPP timing and OAS timing. Delaying government benefits can increase the amount of income you receive later in retirement, but that does not automatically mean delaying is right for everyone. Life expectancy, taxes, portfolio size, other income sources, and your overall retirement strategy all matter. Withdrawal sequencing is another major part of the equation. Drawing down RRSPs earlier, using TFSAs strategically, managing taxable income, and considering the OAS clawback can all affect how efficiently your retirement income is generated. For Canadians approaching retirement, especially those who want a higher level of retirement spending, the question should not simply be, "How much money do I need to retire?" A better question is: How much after-tax income do I want, where will that income come from, how much will CPP and OAS provide, how much will be taxable, and how should my investments be structured to fund the difference? $10,000 per month in retirement is ultimately a cash flow target, not a single magic portfolio number. #CanadianRetirement #RetirementIncome #RetirementPlanningCanada #HowMuchToRetire #RetirementSavings #RetirementStrategy #FinancialPlanningCanada #RRIF #RRSP #TFSA #CPP #OAS #TaxPlanning #RetirementTaxPlanning #InvestingForRetirement #WealthManagement #CanadianFinance #RetirementGoals #IncomeInRetirement _____ I'm Rob Tétrault, a Senior Portfolio Manager and founder of Tetrault Wealth Advisory Group. I help Canadians approaching retirement make smarter decisions around their investments, taxes, retirement income, and estate planning so they can get more clarity around what their retirement can actually look like. On this channel, I break down retirement and wealth planning topics in a practical, easy-to-understand way. You'll find videos on retirement income, investing, RRSPs and RRIFs, TFSAs, tax-efficient withdrawal strategies, CPP and OAS, estate planning, and many of the financial decisions Canadians face before and throughout retirement. _____ Topics covered: retirement income canada,how much to retire in canada,$10,000 per month retirement,CPP,OAS,RRSP,RRIF,TFSA,retirement withdrawal strategy,retirement tax planning,after-tax retirement income,canadian retirement planning

September 10, 2026Episode 18125 min

After Helping Over 600 People Retire, I'd Avoid These 6 Things

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ The 6 Retirement Burdens Most Canadians Don't Plan For Retirement should give you more freedom, not more financial stress. But many Canadians enter retirement carrying obligations, debts, commitments, and assumptions that can quietly make their retirement plan much harder to sustain. In this video, Rob Tetrault breaks down 6 financial burdens to avoid before you retire, including your home situation, debt payments, financial clutter, "not-so-passive" income, family support obligations, and relying too heavily on a business valuation. These are the kinds of retirement planning mistakes that may not seem obvious at first, but can affect your cash flow, taxes, lifestyle flexibility, estate planning, investment strategy, and long-term retirement income. If you are approaching retirement in Canada, planning to retire in the next few years, or already thinking about how to simplify your finances before retirement, this video will help you identify the financial burdens that could follow you into retirement and what to consider before they become bigger problems. Rob also explains why retirement planning is not just about how much you have saved. It is also about what financial obligations you are still carrying, how complicated your situation has become, and whether your income plan can support the lifestyle you want. Enjoy! CHAPTERS: 00:00 - Why This Is Important 01:45 - 1st Financial Burden, Home Situation 05:34 - 2nd Financial Burden, Debt Payments 08:51 - 3rd Financial Burden, Financial Clutter 12:39 - 4th Financial Burden, Not-so-passive Income 15:58 - 5th Financial Burden, Family Support 20:17 - 6th Financial Burden, Business Valuation 23:51 - Quick Recap & What To Do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #CanadianRetirement #WealthManagement #RetirementIncome #FinancialPlanning #Retirement #Investing #DebtFreeRetirement #EstatePlanning #CanadianInvesting

September 2, 2026Episode 1807 min

Most Canadians Withdraw From the Wrong Account First

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ TFSA vs RRSP: Which Should You Withdraw First in Retirement? When you retire, one of the biggest questions becomes: which account should you withdraw from first? Should you take money from your TFSA? Your RRSP? Your non-registered account? Should you delay withdrawals? Should you preserve tax-free money as long as possible? Or should you draw down registered accounts earlier to manage future taxes? In this video, Rob explains why there is no one-size-fits-all answer to the TFSA vs RRSP withdrawal question. The "right" order depends on your income, tax bracket, age, CPP and OAS timing, estate planning goals, flexibility needs, and how your retirement income plan is structured. You'll see two retiree examples that show how the same advice can lead to very different outcomes depending on the person. Rob also breaks down the biggest misconception around retirement withdrawals, why blanket advice can be dangerous, and how to think more strategically about using your TFSA, RRSP, and other retirement assets. If you are approaching retirement or already retired, this video will help you better understand how withdrawal order can affect your taxes, flexibility, estate, and long-term retirement income. Enjoy! CHAPTERS: 00:00 - Intro 00:57 - The Biggest Misconception 01:33 - Two Retiree Examples 03:20 - The Issue With Blanket Advice 03:44 - Other Considerations, Flexibility & Estate Planning 06:09 - Your Biggest Takeaway 06:45 - The Next Steps ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #RRSP #RRIFConversion #RRIF

July 21, 2026Episode 1798 min

'm Begging You: Don't Wait Until 71 to Plan Your RRIF

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ Most Canadians discover this RRSP-to-RRIF tax trap too late Converting your RRSP to a RRIF may be simple, but the decisions surrounding that conversion can have a major impact on your retirement income and lifetime tax bill. In this video, Rob explains what happens when an RRSP becomes a RRIF, why waiting until age 71 to begin planning can be costly, and how RRIF minimum withdrawals affect your taxable income. You'll learn about early RRSP withdrawals, RRIF withdrawal strategies, the spousal age election, CPP and OAS considerations, potential OAS clawbacks, and the tax consequences of leaving a large RRIF balance in your estate. The goal is to help Canadian retirees better understand how to manage their RRSP and RRIF income strategically rather than simply following the mandatory minimum withdrawal rules. Whether you are already retired, approaching retirement, or beginning to plan how you will draw income from your registered accounts, these RRSP-to-RRIF planning strategies can help you ask better questions and avoid costly retirement tax mistakes. Enjoy! CHAPTERS: 00:00 - The RRSP to RRIF Landscape 01:02 - RRIFs Explained 01:44 - Mistake 1: Waiting Too Late 03:26 - Mistake 2: Minimum Withdrawals 04:50 - Mistake 3: The Spousal Age Election 05:42 - Mistake 4: Leaving a Large RRSP Balance 06:43 - Mistake 5: Going on Autopilot 07:36 - What You Should Do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #RRSP #RRIFConversion #RRIF

July 14, 2026Episode 20419 min

If I Had $10 Million, This Is Exactly What I'd Do With It

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ If I Had $10 Million, This Is Exactly What I'd Do With It What actually changes when you're suddenly dealing with $10 million? In this video, Rob walks through how he would approach managing that level of wealth, from the decisions you make in the first year and avoiding lifestyle creep, to building the portfolio, reducing taxes and gaining access to alternative investments. We also break down whether to invest the money all at once or gradually, what the asset allocation could look like, the biggest mistakes to avoid and why behaviour can matter just as much as investment selection. Whether you've recently sold a business, received an inheritance, experienced a major liquidity event or simply want to understand how significant wealth should be managed, this is a practical look at what dealing with $10 million actually involves. CHAPTERS: 01:11 - What Dealing With $10 Million Actually Looks Like 03:23 - "That First Year" 05:22 - Lifestyle Creep & The 90 Day Rule 06:33 - The Portfolio Structure 08:11 - When The Money Arrives At Once… 08:44 - Dollar Cost Averaging vs. Lump-sum 10:36 - What's The Asset Allocation? 12:44 - What NOT To Do With Your Money 13:36 - A New Level of Access With Alternatives 15:22 - Taxes (How To Pay LESS To The CRA) 17:44 - Behavioural Advice 18:50 - What You Should Do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

July 3, 2026Episode 20319 min

The Power of a Holding Company | HoldCo Explained for Business Owners

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ Do You Need a Holding Company? | HoldCo Explained for Business Owners In this video, Rob breaks down one of the most common corporate structure questions business owners ask: Do I need a holding company? He explains how a holding company works, why it can be beneficial, and how it fits into a broader corporate structure alongside an operating company. The conversation also covers dividends, salary vs. dividends, investing inside a HoldCo, asset location, and common mistakes business owners make when setting things up. If you're incorporated, thinking about incorporating, or trying to better understand how to structure your business and retained earnings, this is a great place to start. CHAPTERS: 00:00 - Introduction 01:25 - Why Incorporating Can Be Beneficial 04:06 - How a Holding Company Structure Works 05:13 - Why Use a Holding Company? 07:39 - Types of Dividends 10:33 - Salary vs. Dividends 10:59 - Investing Inside a HoldCo 12:55 - Asset Location 16:47 - Common Corporate Structure Mistakes 18:21 - What Should You Do Next? WHO THIS IS FOR: Canadian business owners, incorporated professionals, dentists, doctors, lawyers, consultants, and entrepreneurs running a corporation who want to legally reduce their tax bill and keep more of what they earn. Tetrault Wealth | CG Wealth Management | Canaccord Genuity | Rob Tetrault | Winnipeg Financial Advisor | Canadian Tax Strategy | Dividends vs Salary | HoldCo | Holding Company Canada | Incorporated Business Owner | How To Pay Yourself | Business Tax Canada | Corporate Tax Planning ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

June 22, 2026Episode 2028 min

What Is a Sovereign Wealth Fund? (And Why Canada Wants One)

🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ What Is a Sovereign Wealth Fund? (And Why Canada Wants One) Canada is talking about the idea of a sovereign wealth fund, but is comparing us to Norway actually realistic? In this episode, Rob breaks down what a sovereign wealth fund is, how Norway built one of the largest investment funds in the world, and why Canada's situation may be very different. We discuss Mark Carney's proposal, natural resources, government investing, taxation, economic risks, and what this could mean for Canadians long term. Is this a smart economic move, or a comparison that doesn't hold up? CHAPTERS: 00:00 - What We'll Discuss 00:46 - What Is a Sovereign Wealth Fund? 01:39 - Here's What We Know 03:04 - The Norway Comparison 05:11 - How Is the "Canada Strong Fund" Different From CPP? 06:40 - What Does This Mean For YOU? ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting #Canada #SovereignWealthFund #MarkCarney #Finance

June 10, 2026Episode 20123 min

How to Pay Yourself as a Canadian Business Owner Without Overpaying the CRA

📊 Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ How to Pay Yourself as a Canadian Business Owner Without Overpaying the CRA We run through a case study where our client saved $77k, not by finding some loophole, but by simply changing how he paid himself. In this video, Rob Tetrault breaks down 23 minutes of real tax strategy that most incorporated Canadian business owners don't hear from their accountant, answering the question of salary or dividends, while integrating a HoldCo. If you're incorporated and still defaulting to a straight salary, you could be leaving tens of thousands of dollars on the table every single year. In this video you'll learn: — The dividends vs salary decision and why most business owners get it wrong — How a HoldCo (holding company) can legally keep more money in your hands — The exact strategy that saved our client $77,000 annually — Why the answer isn't dividends OR salary, it's USUALLY both, and here's how This isn't theoretical. This is advice Rob gives his clients every day. Enjoy! CHAPTERS: 00:00 - Intro 00:54 - The Issue With Outdated Business Structures 02:12 - The Effects of Salary Payments 04:26 - The Effects of Dividend Payments 06:11 - What Determines Whether You Should Take Dividends or Salary? 11:00 - The Potential Tax Benefits of a Spouse & Payment Timing 12:45 - Case Study 13:47 - 100% Salary Scenario 15:21 - 100% Dividends Scenario 17:47 - The Hybrid Approach Scenario 19:24 - The End Results 20:40 - Common Mistakes Recap 22:10 - Your Next Steps WHO THIS IS FOR: Canadian business owners, incorporated professionals, dentists, doctors, lawyers, consultants, and entrepreneurs running a corporation who want to legally reduce their tax bill and keep more of what they earn. Tetrault Wealth | CG Wealth Management | Canaccord Genuity | Rob Tetrault | Winnipeg Financial Advisor | Canadian Tax Strategy | Dividends vs Salary | HoldCo | Holding Company Canada | Incorporated Business Owner | How To Pay Yourself | Business Tax Canada | Corporate Tax Planning ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting

June 4, 2026Episode 2007 min

CPP Timing: Why "Always Wait Until 70" Is a Red Flag

Master Your Retirement Plan in 45 Minutes Register now → https://bit.ly/2THZzNj 🔔 Want personalized help with your retirement plan? Book a call → https://tetraultwealth.com/contact-us/ ⭐️⭐️ CPP Timing: Why "Always Wait Until 70" Is a Red Flag Most Canadians are told to delay CPP as long as possible, but blindly following that advice could cost you. The truth is, CPP doesn't exist in a vacuum. The right timing depends on your RRSP, TFSA, OAS, tax bracket, health, and overall retirement plan. In this video we break down exactly when delaying to 70 makes sense, when it doesn't, and how to think about CPP as part of a coordinated strategy, NOT a standalone decision. ✅ What you'll learn: - How CPP works at age 60, 65, and 70 - When delaying CPP is genuinely the right move - When taking CPP early actually makes more sense - How CPP interacts with RRSP, TFSA, OAS and your tax bracket - Why flexibility and irreversibility matter more than most realize - How to optimize after-tax retirement income — not just CPP alone CHAPTERS: 00:00 - Intro 00:44 - The Basics: CPP Explained 02:15 - "Block Out the Noise" 02:53 - When Delaying CPP Makes 03:39 - When Delaying CPP DOESN'T Make Sense 04:29 - Tax & Flexibility Considerations 06:16 - The Recap & What To do Next ▶️ If this topic resonates, consider subscribing for more Canadian retirement planning insights, real-world examples, and practical explanations, without hype or fear-based advice. 📩 Sign up to receive the Tetrault Wealth Newsletter that covers important investing topics, latest market news and engaging interviews with CEOs from stock market listed companies https://robtetrault.com/tetrault-newsletter/ #RetirementPlanning #WealthManagement #Retirement #Investing #RRSPMeltdown #RetirementSavings #CanadianInvesting