The Canadian Retirement Roadmap

The Underused Disability Tax Credit: Eligibility and Tax Savings

In this episode of the Canadian Retirement Roadmap podcast, host Patrick Briscoe speaks with Christine Brunsden, co-founder of Benefits2 and an expert in estate and disability planning, about the underutilized Disability Tax Credit (DTC) in Canada. Christine shares her personal and professional journey helping Canadians navigate the DTC, revealing how many eligible individuals—especially older adults—miss out due to misconceptions, poor guidance from medical professionals, and predatory promoter companies. The conversation dives deep into the qualifications for the credit, how to advocate with doctors, and how the DTC opens doors to other significant financial benefits like the Registered Disability Savings Plan (RDSP) and the new Canada Disability Benefit.
Things To Know...
• More People Qualify Than You Think: Up to 27% of Canadians could be eligible for the Disability Tax Credit, including those with conditions like incontinence, chronic pain, or cognitive impairments—not just visible or severe disabilities.
• Beware of Promoter Companies: Many firms charge 20–30% of retroactive refunds as fees. Benefits2 offers a flat-fee model to help clients avoid these costly traps while getting expert help.
• Doctors Often Don’t Know the Rules: Physicians receive no training on the DTC, so patients need to come prepared with information and may need assistance in preparing the forms to improve their chance of approval.

Building Your Retirement Paycheque: Smart Strategies for a Secure Future

Planning your retirement income isn’t just about how much you’ve saved—it’s about how you use it. In this episode of The Canadian Retirement Roadmap Podcast, financial planner Patrick Briscoe breaks down how to create a well-structured retirement paycheque that ensures financial stability while minimizing taxes.
Learn about the various income sources available in retirement, their tax implications, and strategies to optimize cash flow for a stress-free future. Whether you’re just starting to plan or are already retired, this episode will equip you with the knowledge to build a retirement paycheque that works for you.
Key Takeaways:Retirement income comes from multiple sources, including pensions, RRSPs, TFSAs, and non-registered accounts, each with different tax treatments.Strategic withdrawal planning can reduce taxes and extend the longevity of your savings, helping you avoid unnecessary government clawbacks.A personalized retirement paycheque ensures stability, covering monthly expenses while maintaining flexibility for unexpected costs and future financial goals.
If you’re interested in learning about how you can create a retirement paycheque for your retirement plan, reach out to Patrick and his team at http://bayswaterwealth.ca 
Learn more about Patrick and the podcast at http://bayswaterwealth.ca/podcast 
 

Four Timeless Investing Reminders for Difficult Economic Times

In this episode of The Canadian Retirement Roadmap Podcast, host Patrick Briscoe, a financial planner at Bayswater Wealth Management - IPC Investment Corporation, shares four essential investing principles to navigate challenging economic times. He explores why market movements often disconnect from economic news, why the best minds are working for investors, and how political events have little long-term impact on market performance. Whether you're a seasoned investor or just starting, this episode will provide reassurance and a framework for staying the course during market uncertainty.
 
[0:14] Overview of the four investing principles
[1:30] Principle #1: Markets are forward-looking—today's news is already priced in
[3:45] Principle #2: The economy is not the market—why economic data often lags market movements
[5:30] Principle #3: The best minds are working for you—why great companies adapt and thrive
[7:15] Principle #4: Markets generally aren’t political—long-term investing outweighs short-term political shifts
 
To learn more about Patrick and his team, visit bayswaterwealth.ca

Coming Soon - The Canadian Retirement Roadmap!

Coming soon - The Canadian Retirement Roadmap!
 
To learn more about Patrick and his team, visit bayswaterwealth.ca