Retirement & Estate Planning

Made Easy

The 5 Fundamentals of Retirement & Estate Planning


Retirement Income Planning

When you are working full-time, managing your money is easy. Your paycheque came in twice a month from your employer.
(Read More)

Retirement Spending Planning

You’ve spent your entire working life saving for retirement and lots of people have helped you along the way.
(Read More)

Estate Planning

A lot people think Estate Planning is only something rich people do. But really, Estate planning is just a fancy way of saying “what happens to your money and your property when you die.”
(Read More)

Wealth Transfer Planning

When it comes to passing on money to loved ones, a number of factors come into play.
(Read More)

Final Expense Planning

Imagine for a moment, that it’s one of the worst days of your life. You’ve just lost someone who meant the world to you.
(Read More)

Group Benefits/Health Spending Accounts

I have a large number of clients that are business owners. As a service to them and as a business owner myself, I started offering Group Benefits to them as well.
(Read More)

Are Your Financial Affairs in Order?

When you're getting ready to retire, or you're planning your estate, there are a number of facets & small details that can make a huge difference. Do you think you've got your affairs in order? Complete this brief quiz and let's find out.

Klyne Financial Mac Graham
797 Guelph St.
Kitchener, Ontario
N2H 5M5

THE QUIZ (Time to complete 7 minutes)

Retirement & Estate Planning Made Easy 24 Question Quiz

1 / 24

2 / 24

I have no concerns about running out of money in retirement.

3 / 24

I still have a part time job, but it’s only because I want to keep busy; not because I need the extra income.

4 / 24

My retirement income plan includes a strategy to draw down my RRSP’s on top of my pension plan so that I never end up with a huge tax bill.

5 / 24

I plan on selling my house one day to supplement my retirement income. After I do, I know exactly how I will invest the money so I can continue to live off of the proceeds.

6 / 24

My monthly expenses are almost always the same. I never worry about spending a little extra when I go shopping or having a night out with friends.

7 / 24

If the roof needs to be replaced or I need a new vehicle, I know exactly which investment I should use to pay for it.

8 / 24

If I feel short of cash before leaving for a long trip, I know exactly where to get money from.

9 / 24

I have enough monthly income to support my lifestyle, but I also make extra withdrawals from my RRSP’s as part of a tax savings strategy.

10 / 24

If I have to choose between leaving money to the government, or leaving money to my loved ones or my favourite charity, I choose my loved ones and charity. I know exactly how to do that.

11 / 24

I have named beneficiaries on all my investments so that in the event of my passing, they will bypass the estate and probate fees and go directly to my loved ones.

12 / 24

My executor is aware of all my final wishes.

13 / 24

My will is up to date and it aligns with all my named beneficiaries.

14 / 24

I understand that it will probably take 18 to 24 months to “Clear” my Estate. My dependents won’t need any additional money during that period.

15 / 24

I am not worried about how my estate will pay for all the taxes that comes from clearing my estate.

16 / 24

If I were to pass away, I have sufficient insurance and investments so that my spouse will still be able to maintain their current lifestyle.

17 / 24

I am divorced/widowed and remarried. I am worried that should I pass away, my birth children will fight over my estate with my new spouse/step children. I have already made a plan to address this with my advisor and legal team.

18 / 24

I am really concerned about leaving a large inheritance to my son/daughter. My current advisor has shown me ways I can create monthly or yearly installments instead.

19 / 24

I love my Grandchildren and I want them to receive an inheritance from me. My advisor has set up my investments so that in the event of my passing, a portion will go directly to them and be held in trust until they are adults.

20 / 24

My current advisor has shown me ways I can leave money to my favourite charity instead of paying a lot of tax.

21 / 24

I have already been to the funeral home to pre pay for everything in case something were to happen to me.

22 / 24

I know exactly how much funeral services and cemetery plots cost.

23 / 24

I am comfortable with leaving all of the planning for my funeral and burial to my family after I have passed.

24 / 24

I understand that there are ways I can use life insurance to pay for my funeral even if I’m already a Senior.

Your score is



"Mac is a very honest, friendly and approachable financial advisor. He
always has invested our money like it was his own."

Mary Lou and Pat Jordan


"Quite simply, Mac is a great guy all around. He is passionate about finance, & because of that he always knows the latest of what's happening, & when he doesn't have the answer to something, he finds out and gets back as soon as possible. Great service all around."

Scott Chandler


"Mac is knowledgeable, personable with our best interests at heart. He monitors our portfolio and regularly makes recommendations that align with our investment goals. He has been the best financial adviser we have had over the years.”

The McGrath's

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Latest Posts

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By Malcolm Graham | 18 November 2021

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Ethical Investing – Investing is About More Than Just Profit – Impact Matters Too

By Malcolm Graham | 26 October 2021

The way we’ve done things for the past 50 years just isn’t good enough any more.  That was the sentiment described in an article published this weekend in the Waterloo Region Record. The prevailing market ethos of profit at any cost is falling quickly by the wayside.  Canadian Investors are looking for more from there […]

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Canadian Savings Accounts: The Big Banks are the Big Winners

By Malcolm Graham | 6 October 2021

While looking through life’s rear-view mirror, it seems quite evident to most people that the COVID-19 Pandemic has produced financial winners and losers, which have had an impact on Canadian savings accounts. There have been countless news stories about the struggles faced by small business owners in the restaurant industry as well personal fitness and […]

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Have you had “The Talk” yet?

By Malcolm Graham | 14 June 2021
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Save in Taxes: How to Save $500 in Taxes

By Malcolm Graham | 8 June 2021
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It Doesn’t Matter What Your Will Says

By Malcolm Graham | 4 June 2021
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