Blog

Cutting Through the Noise


November 12, 2025

By David Toyne

Protect Your Retirement from Bad Financial Advice

Some financial advice is more profitable for the advisor than it is for you. In this eye-opening Steadyhand Coffee Break, we discussed the uncomfortable truths behind sales quotas, hidden fees, and poor withdrawal strategies that could be draining your retirement savings. Watch now to avoid costly mistakes.

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October 1, 2025

By David Toyne

Is the cash bucket strategy right for you?

Too many retirees hold back on their spending out of fear – and it’s taking a toll on their quality of life. Behind the Advice is a new series from Steadyhand that brings you closer to the team working directly with our clients. In this first episode, David Toyne sits down with Evan Parubets, Head of Advisory Services, to unpack one of the most important – and often most stressful – transitions for Canadians: shifting from saving to spending in retirement.

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September 11, 2025

By David Toyne

5 habits that build real wealth (from a 40-year investor)

Decades of investing wisdom distilled into five simple habits. In this Coffee Break episode, David Toyne — drawing on 40+ years of experience — reveals what academic research, behavioural finance, and real-world investor outcomes can teach us about building lasting wealth in Canada.

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August 29, 2025

By David Toyne

What banks don't want you to know (CBC investigation explained)

Are Canada’s banks giving advice in your best interest or theirs? In this Coffee Break episode, David Toyne sits down with advice-only planner Sandi Martin, featured in CBC Marketplace’s hidden camera exposé, to unpack what the investigation revealed and what regulators are saying in a new 2025 OSC/CIRO report.

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August 11, 2025

By David Toyne

Remarried? Don’t Make These Estate Planning Mistakes

Starting over later in life comes with more than just new beginnings — it can mean revisiting your estate plan, too. In this Coffee Break episode, David Toyne is joined by Money Coaches Canada’s Janet Gray to uncover the 7 most common mistakes people make when entering new relationships.

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July 24, 2025

By David Toyne

Downsizing in retirement? Avoid these common mistakes

Thinking of downsizing – or helping a loved one through a major life transition? In this Coffee Break episode, we sit down with Adam Gordon of Gordon’s Downsizing to explore what really goes into decluttering and letting go.

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July 18, 2025

By David Toyne

Aging in place in Canada: Digging into the realities and costs

Most Canadians want to age at home—but are they ready for the cost? Julia Chung joins us to discuss the financial and emotional realities of aging in place.

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July 10, 2025

By David Toyne

CPP Survivor Benefit: What You Need to Know

If you delay your CPP and pass away before collecting, what happens to your benefits? Here's what your spouse needs to know.

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June 27, 2025

By David Toyne

Making the shift from saving to spending in retirement

Learn how to confidently transition from saving to spending in retirement with insights from Certified Financial Planner Steve Bridge.

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June 12, 2025

By David Toyne

Retirement income planning: when and how to withdraw from your registered accounts

Steve Bridge from Money Coaches Canada joins us in our latest Coffee Break to explore the most effective strategies for withdrawing funds from your retirement and investment accounts.

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June 5, 2025

By David Toyne

The big pension question: Should you commute your defined benefit plan?

Thinking about commuting your pension? In this Coffee Break, Certified Financial Planner Ashley Gordon joins us to break down what you need to know about this major financial decision.

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May 29, 2025

By David Toyne

Scott Armstrong on designing a meaningful retirement

Scott Armstrong, author of Retire and Aspire, highlights how mindset, purpose, and social connection can shape both your experience and longevity in retirement.

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May 22, 2025

By David Toyne

Retirement account conversions explained: RRIFs, LIFs, & more

Turning retirement savings into income: what you need to know about converting your RRSP to a RRIF, and the strategic roles that TFSAs and non-registered accounts can play in your retirement income plan.

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May 15, 2025

By David Toyne

How much do you need to invest to reach your goals? Try this simple calculator

Find out how much you need to invest to reach your financial goals with this simple calculator.

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May 8, 2025

By David Toyne

Navigating intergenerational wealth planning with Julia Chung

With over $1 trillion set to change hands in the coming years, many families are unprepared. Subject expert Julia Chung offers strategies and tips on ensuring a smooth wealth transfer.

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May 1, 2025

By David Toyne

CPP planning: How to get an accurate retirement estimate

Discover why your CPP estimate on My Service Canada might not be accurate and learn how to get a more precise retirement forecast.

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April 17, 2025

By David Toyne

From saving to spending: How to plan your retirement withdrawals

Retirement expert Don Ezra discusses how to confidently transition from saving to spending using a practical, pension-style approach.

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April 10, 2025

By David Toyne

Joint accounts with adult children: Smart estate planning or big mistake?

Estate lawyer Mike Beishuizen discusses the good, the bad, and the ugly of jointly owning assets with your adult children.

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April 3, 2025

By David Toyne

How to thrive in the 4 phases of retirement with Dr. Riley Moynes

In our latest Coffee Break, we chat with Dr. Riley Moynes, author of The Four Phases of Retirement and TEDx speaker with over 4.5 million views, to unpack the deeper realities of retirement.

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March 20, 2025

By David Toyne

The stress-free way to withdraw retirement income

We break down the biggest challenges to generating retirement income from your portfolio—such as market downturns, inflation, and tax efficiency—and explain how the Steadyhand Retirement Withdrawal Program can assist.

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March 13, 2025

By David Toyne

Contributing to CPP after 65: Everything you need to know

Is contributing to CPP after 65 worth it? Subject expert Jason Yee explains everything you need to know.

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March 6, 2025

By David Toyne

Why happiness increases after 50 — Don Ezra explains

Financial expert and author Don Ezra explains the fascinating concept of the U-Curve of Happiness.

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February 27, 2025

By David Toyne

Top 3 tips for building wealth with Morningstar’s Ian Tam

Morningstar's Ian Tam shares his top tips on how Canadians can build and preserve long-term wealth.

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February 20, 2025

By David Toyne

How to check your estimated CPP benefits

Learn how to check your CPP benefits online and understand your estimated retirement payments in our latest Coffee Break video.

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January 30, 2025

By David Toyne

Rewirement: Planning for purpose and happiness in retirement

Retirement is a new phase filled with purpose, joy, and opportunities, as Don Ezra, author of Life Two, explores in this Coffee Break.

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