Posted By By Dale Roberts
Special to Financial Independence Hub
Hi, it’s Dale Roberts here. You know me from Cut The Crap Investing. My blog posts are often shared on Findependence Hub.
Similar to Jonathan Chevreau I have a keen interest in helping Canadians prepare for retirement and make the most of retirement once they reach that wonderful stage in life.
Too many Canadians enter retirement with some sense of anxiety. They may fear that they will outlast their money. They might not have created the all important life plan.
More and more Canadians have self-directed their investment accounts. Now they need a resource that helps them set the course, and keep the course for a successful retirement.
That’s why we created Retirement Club. Retirement Club for Canadians
What is Retirement Club?
Retirement Club is a community of like-minded Canadian retirees and near retirees.
A successful retirement starts with financial security. Let’s call that fiscal fitness. We cover the financial essentials, in jargon-free plain-speak with clear demonstrations. You’ll learn how to spend down your portfolios in an efficient fashion. You’ll learn how to use free-use retirement calculators that create optimal retirement cash flow plans. That is, how to spend from your investment accounts, working in concert with CPP, OAS, pensions, and other income.
The retirement portfolio will be discussed in detail. We need to align each account’s risk level to the task at hand: dictated by that retirement cash flow plan.
As you may know, at Cut The Crap Investing I’ve offered a unique approach to managing risk: using lower volatility and defensive equities (consumer staples, healthcare and utilities) in concert with traditional risk managers such as cash, bonds, GICs, gold, annuities and more. During the volatility of 2025, these defensive assets have been the top performers.
Of course the financial topics are numerous, from wills and estates, to insurance, tax tips, healthcare costs and more.
Retirement by design
Next comes the life plan. Each of us will decide on our level of travel and entertainment, family time, leisure and living life full of purpose. We’ll provide and share lifestyle inspiration. We’re doing it right when financial security enables a rich and rewarding lifestyle. We need to retire with vitality and purpose. How do we replace the ‘good stuff’ we got out of our working years?
How do we learn and connect?
At a minimum we’ll have …
- A monthly one hour Zoom presentation (the next one is April 25th at noon).
- A monthly newsletter
The Zoom presentations are lively and interactive. They start with a learning session but move on with Clubbers asking questions and taking part in break out sessions. We end with a 15 minute ‘after party.’ It’s a Club environment.
Our Community Captain, Brent Schmidt of Strategic Fuel, l creates an engaging club experience.
We invite experts to present in areas of their specialty. For example, in a recent Zoom call the creator of a wonderful cash flow calculator took us through a retirement funding scenario, and how to use the resource.
And while a monthly newsletter is a minimum and sets up our Zoom call, I usually send thoughts and findings via email once or more per week. As I like to write, I’m up at 4 am reading retirement ‘stuff’ so that you don’t have to.
Our private island
We also have our Community Hub. It’s our private online island where Clubbers meet in a secure community, set up on Mighty Networks. 🌴
That’s where we learn, share ideas and chat.
At the core of the private island is learning spaces including retirement cash flow calculator reviews, creating the retirement portfolio, retirement stocks, the 4% rule, Norbert’s Gambit, de-risking strategies, what are bonds?, using the cash pile and more.
Community members add their thoughts and even post questions to the group, seeking ideas or guidance. There’s strength in numbers.
How to join Retirement Club
Retirement Club Two is about to set sail in just over a week. There are a few spots (deck chairs) remaining. I thought I’d reach out to Findependence Hub readers to offer an invite. By the way, Jon will be joining us for Retirement Club Two. Please note, Jon is a member but not otherwise associated with Retirement Club.
The fee for the first year is $250 plus HST.
If you’d like sign-up details you can send an email to Dale at cutthecrapinvesting@gmail.com
We hope you can join us.
More about Dale
Dale Roberts is a former advertising writer and creative director and long time index investor. In 2013, he followed his passion to become an investment advisor, and then trainer at Tangerine Investments. He won Advisor of the Year in his first year. He left Tangerine in 2018 to start Cut The Crap Investing where he helps investors learn how to use ETFs, simple stock portfolio models and Robo Advisors to full advantage in the accumulation stage, and especially in retirement. A ‘hyper-focuser’ Dale has spent thousands of hours studying retirement – from the financial planning aspects to the portfolio models that make it happen.
Keep in mind Dale is not a financial planner. Retirement Club provides ideas and learning for consideration. As we know, self-directed investors are responsible for their own investment decisions.
