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In the spirit of a high level overview, there are some options available to Canadian investors to pay for the advice and service they receive from their investment advisor.

Many farmers want to see their family farm carry on to the next generation. This may not sound like a tall order but it can be. The ability for a son or daughter to take over the family farm has become increasingly difficult.

Taking time off work to care for your child often means leaving the work force, or working fewer hours. If you do so, you will naturally have less contributions toward your Canada Pension plan than if you worked full time and contributed fully into CPP during those same years. For the stay at home parent, this may lead to a lower CPP pension payment in retirement.

While some people prefer flexibility, it makes others nervous. What if I outlive my savings? Maybe you are the type of person who prefers guarantees. Maybe you are the type of person who wants to guarantee a flow of income for life.

The idea of a de-registration strategy is to draw registered funds from your RRSP or RRIF in a manner that is to your best benefit from a tax planning perspective.

After years of building RRSP savings, the next step is to think about how and when to draw on these savings for your retirement spending needs.