Enough for what?
Why the size of your savings is the wrong place to start, and how to put a picture of the life you want first.
Retirement IQ: Enough for What?
Coming soon
The new book by Krystian Urbanski
Retirement IQ: Enough for What?
Everyone asks whether they have enough to retire. Very few stop to ask: enough for what?
A practical guide for Canadians who want their money to serve the life they actually want, written from more than 30 years of sitting across the table from people asking that question.
Do I have enough?Enough for what?
The idea
Start with the life. Then the money.
“Enough” means nothing on its own. Enough for the cottage, or to stay near the grandchildren? Enough to help a child buy a home, to travel while you are healthy, or simply to stop lying awake at 3 a.m.?
This book starts there, with what you want your retirement to be for, and then works back through income, government benefits, tax, investments and your estate, in plain language.
What it covers
Six questions every retirement plan has to answer.
The book follows the same ground as the Retirement IQ Method, so you can read it on your own or use it alongside the free tools on this site.
A paycheque for life
Turning savings, pensions, CPP and OAS into reliable monthly income you can count on.
Keeping more of it
Withdrawal order, RRIFs, pension splitting and the tax decisions that quietly add up.
Money with a job to do
Investing for income and peace of mind, not just returns.
The people you love
Wills, powers of attorney, beneficiaries and the Red Folder your family will need.
The years you cannot predict
Health, housing, care and living longer than you planned.
Who it is for
Written for the retirement you are actually facing.
Canadians in their 50s, 60s and 70s, in every kind of household.
About the author
Krystian Urbanski, CIM, CIWM, FCSI, PFP
Chief Retirement Strategist at RetirementIQ in Toronto and an Associate Portfolio Manager at Designed Securities Ltd., with more than 30 years in Canada’s investment industry. Krystian helps people bring their investments, income, taxes and family decisions together into one retirement plan.
Be the first to read it
Join the early-reader list.
Leave your name and email and we will let you know when the book is ready, and when early chapters are available to read.
While you wait, the same thinking is already built into the free tools on this site:
Questions
About the book
What is Retirement IQ: Enough for What? about?
It is a practical guide for Canadians approaching or in retirement. Instead of starting with “Do I have enough?”, it starts with “Enough for what?”: the life you want, the people you want to look after, and what would worry you most. Then it works back to income, CPP and OAS timing, taxes, investments and your estate.
Who is writing it?
Krystian Urbanski, CIM, CIWM, FCSI, PFP, Chief Retirement Strategist at RetirementIQ in Toronto, drawing on more than 30 years in Canada’s investment industry.
When will it be published?
The book is being written now. Join the early-reader list and you will be among the first to hear when it is ready, and when early chapters are available.
Who is it for?
Canadians in their 50s, 60s and 70s, whether you are planning as a couple, on your own, after a loss or a divorce, in a blended family, or looking for a second opinion on a plan you already have.
Is it financial advice?
No. The book is general education. Your situation, province and goals matter, so decisions about your own retirement should be made with professional advice.