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Cashflows and Portfolios is a free online resource providing beginning-to-end content for all Do-It-Yourself (DIY) investors. We offer a free newsletter to your inbox offering wealth-building tips; retirement case studies; and more to help you manage your retirement nest egg over time. We also offer personalized low-cost financial projections services beyond all the free content to support all DIY investors by DIY investors!
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DO YOU HAVE ENOUGH TO RETIRE?
If financial projections and retirement readiness are what you are after, we using some professional financial software (software that we are using for our own plans in fact), and making it available to you in our affordable and value-packed membership options. With this powerful software, we provide a detailed report(s) that answers questions specific to your financial situation and assumptions such as:
- Do I have enough to retire?
- When can I retire?
- Will I run out of money in retirement?
- What is the most I can spend in retirement?
- How much of a financial legacy can I leave behind?
- Should I take CPP at age 65 or 70?
- How do I minimize OAS clawback?
- Which account (and when) should I withdraw from for the highest tax efficiency and estate value?
Featured articles
Understanding our Canada Pension Plan for Retirement Income Planning At Cashflows & Portfolios, we spend a lot of time with many DIY investors as clients striving to understand and optimize the timing of their Canada Pension Plan (CPP) benefits. Rightly so. Taking CPP too early might have retirement income and tax consequences. Deferring CPP benefits might not be possible nor as relevant. Discussions about retirement… Over the years of running our respective sites, Joe, as the founder of Million Dollar Journey, and Mark, with his continued labour of love called My Own Advisor, we have (and continue to receive) many requests about our current respective portfolios – but this post is a bit different. It’s a take on our shared learnings from early retirement – so far. While we’ve been planning for retirement… Financial planning is important at every stage of life and age – for success. We know. We’ve realized our own Financial Independence dreams and at Cashflows & Portfolios, via our low-cost services here, we also see great financial success in many of our clients who have taken many financial matters into their own hands too. The specifics of your personal financial plan and retirement income…Understanding our Canada Pension Plan for Retirement Income Planning
What we’ve Learned from Early Retirement – So Far!
Financial Planning by the Decade: A Primer
Latest articles
Understanding our Canada Pension Plan for Retirement Income Planning At Cashflows & Portfolios, we spend a lot of time with many DIY investors as clients striving to understand and optimize the timing of their Canada Pension Plan (CPP) benefits. Rightly so. Taking CPP too early might have retirement income and tax consequences. Deferring CPP benefits might not be possible nor as relevant. Discussions about retirement… Over the years of running our respective sites, Joe, as the founder of Million Dollar Journey, and Mark, with his continued labour of love called My Own Advisor, we have (and continue to receive) many requests about our current respective portfolios – but this post is a bit different. It’s a take on our shared learnings from early retirement – so far. While we’ve been planning for retirement… Financial planning is important at every stage of life and age – for success. We know. We’ve realized our own Financial Independence dreams and at Cashflows & Portfolios, via our low-cost services here, we also see great financial success in many of our clients who have taken many financial matters into their own hands too. The specifics of your personal financial plan and retirement income… Should you invest like the Canada Pension Plan? The inspiration for this subject and our thoughts for this post was the recent release of the Canada Pension Plan (CPP) Investment Board report – that highlighted the plan generated a net return of 7.8% for the fiscal year 2026, pushing its total net assets to $793.3 billion. Over the long-term, the fund has delivered a 10-year… Is your retirement savings target really that low? Welcome to a new reading series on this site, Sunday Money, where we aspire to collate some of our favourite personal finance and investing finds from the blogosphere and provide some common sense commentary on those subjects. One article we found of interest this week was from The Globe and Mail (subscription required), written by Frederick Vettese who… Over the years of running our respective sites, Joe as the founder of Million Dollar Journey and with Mark and his continued labour of love called My Own Advisor, we have (and continue to receive) many requests about our current respective portfolios – how we manage our money – our investment approaches as we age, and other related personal finance matters like managing insurance, taxation,… Why Some Canadians are Not Ready to Retire Debt. Employment insecurity. Fear of getting it wrong. Not knowing how or where to start. We believe some Canadians are simply not ready to retire. If that’s you or someone you know, this post will help! Read on… Why some Canadians are not ready to retire According to an article we found as of 2025-2026… “…roughly 59%… The all-Canadian personal finance classic book is back – updated and modernized for a younger generation of savers and investors although there is something small for every generation in The Wealthy Barber. Although lots has changed across the personal finance sphere since the original book was published some 36 years ago, many things have not – so this book is personal finance 101 aimly mostly… The Tax Free Savings Account (TFSA) is a gift to all Canadians. I mean, who doesn’t love tax-free money or better still, money that grows tax-free?! I know we do – especially when you count for the fairly large TFSA contribution limit/room now available (more below). How much can you contribute to the TFSA? How much growth can you expect from the TFSA? Can you… How to Invest this Year Hey Readers! Welcome to a new investing year that is bound to have many twists and turns. Related to the rest of the year ahead, we hope that comes on the heels of a 2025 investing year that was kind to you. Certainly, from a return point of view, another huge year of returns. Here are some considerations about how…Understanding our Canada Pension Plan for Retirement Income Planning
What we’ve Learned from Early Retirement – So Far!
Financial Planning by the Decade: A Primer
Should You Invest Like the Canada Pension Plan?
Is your Retirement Savings Target Really that Low?
How We Manage Our Money – Including Our Seven Figure Portfolios!
Why Some Canadians are NOT Ready to Retire
The Wealthy Barber Review and Giveaway
TFSA Contribution Room and Limit, Penalties, and Everything in Between
How to Invest in 2026
