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	<title>Boomer &amp; Echo</title>
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	<link>https://boomerandecho.com</link>
	<description>Financial Freedom at any Age</description>
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		<title>When the RRSP Meltdown Doesn&#8217;t Melt</title>
		<link>https://boomerandecho.com/when-the-rrsp-meltdown-doesnt-melt/</link>
					<comments>https://boomerandecho.com/when-the-rrsp-meltdown-doesnt-melt/#respond</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 29 Aug 2026 22:42:06 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673142</guid>

					<description><![CDATA[Claire retired at the end of 2022, age 60, with $600,000 in her RRSP. She sat down with me to build her decumulation plan and we landed on a strategy that sounds counterintuitive to most retirees: spend down the RRSP aggressively between 61 and 69, while intentionally delaying CPP and OAS to 70. The logic&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/when-the-rrsp-meltdown-doesnt-melt/feed/</wfw:commentRss>
			<slash:comments>0</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Why We Don&#8217;t Sell Edition</title>
		<link>https://boomerandecho.com/weekend-reading-why-we-dont-sell-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-why-we-dont-sell-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 15 Aug 2026 03:31:35 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673134</guid>

					<description><![CDATA[I&#8217;ve been pretty much incognito for the past month after taking one of the longest breaks of my adult life. No laptop, no Zoom calls, no blogging, and no financial plans (sorry!). One of the nice side effects of unplugging is the lack of daily news, specifically around investing and the stock market &#8211; which&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-why-we-dont-sell-edition/feed/</wfw:commentRss>
			<slash:comments>30</slash:comments>
		
		
			</item>
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		<title>Weekend Reading: 2026 Mid-Year Market Update</title>
		<link>https://boomerandecho.com/weekend-reading-2026-mid-year-market-update/</link>
					<comments>https://boomerandecho.com/weekend-reading-2026-mid-year-market-update/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sun, 05 Jul 2026 20:27:25 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673107</guid>

					<description><![CDATA[It seems like every year around this time I get a strange sense of déjà vu. This past March, markets fell sharply after the United States and Israel launched strikes on Iran and the conflict escalated, and Iran closed the Strait of Hormuz in retaliation, choking off a huge share of the world&#8217;s oil and&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-2026-mid-year-market-update/feed/</wfw:commentRss>
			<slash:comments>11</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Total Cost Reporting Edition</title>
		<link>https://boomerandecho.com/weekend-reading-total-cost-reporting-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-total-cost-reporting-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 20 Jun 2026 23:41:01 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673089</guid>

					<description><![CDATA[They say sunlight is the best disinfectant. Well, that light is about to shine a whole lot brighter on investment fees. Starting in early 2027, Canadian investors will see the total cost of owning their investments in a way they never have before. For years, the fees you pay to own mutual funds, ETFs, and&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-total-cost-reporting-edition/feed/</wfw:commentRss>
			<slash:comments>9</slash:comments>
		
		
			</item>
		<item>
		<title>Why 54% Is All You Need to Be a Great Investor (or Tennis Champion)</title>
		<link>https://boomerandecho.com/why-54-is-all-you-need-to-be-a-great-investor-or-tennis-champion/</link>
					<comments>https://boomerandecho.com/why-54-is-all-you-need-to-be-a-great-investor-or-tennis-champion/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Fri, 12 Jun 2026 02:55:53 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673074</guid>

					<description><![CDATA[A client emailed me recently after a rough week in the markets. She&#8217;s a new DIY investor, still getting used to watching her portfolio in real time for the first time after years of never even logging into her old managed accounts. &#8220;I&#8217;ve been checking the app almost daily &#8211; maybe not a good thing,&#8221;&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/why-54-is-all-you-need-to-be-a-great-investor-or-tennis-champion/feed/</wfw:commentRss>
			<slash:comments>18</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: I Have Concepts Of A Plan Edition</title>
		<link>https://boomerandecho.com/weekend-reading-i-have-concepts-of-a-plan-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-i-have-concepts-of-a-plan-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sun, 07 Jun 2026 02:21:44 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673070</guid>

					<description><![CDATA[During my recent interview with Dave Chilton on The Wealthy Barber podcast, we got into a question I hear often: when&#8217;s the right time to start working with a financial planner on retirement? Our answer wasn&#8217;t 65, it was roughly 10 years before you plan to retire. Of course, you can also be too far&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-i-have-concepts-of-a-plan-edition/feed/</wfw:commentRss>
			<slash:comments>18</slash:comments>
		
		
			</item>
		<item>
		<title>How Our Advice-Only Financial Planning Practice Works</title>
		<link>https://boomerandecho.com/how-our-advice-only-financial-planning-practice-works/</link>
					<comments>https://boomerandecho.com/how-our-advice-only-financial-planning-practice-works/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 30 May 2026 23:28:59 +0000</pubDate>
				<category><![CDATA[Must Read]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673058</guid>

					<description><![CDATA[My wife Lindsay and I run an advice-only financial planning practice from our home in Lethbridge, AB. We work with clients virtually across Canada, mostly by email and video call. Clients pay a flat fee of $4,200 + GST for a comprehensive financial plan, investment plan, and detailed retirement income plan — designed to maximize&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/how-our-advice-only-financial-planning-practice-works/feed/</wfw:commentRss>
			<slash:comments>24</slash:comments>
		
		
			</item>
		<item>
		<title>Retirement Planning for Regular Canadians on The Wealthy Barber Podcast</title>
		<link>https://boomerandecho.com/retirement-planning-for-regular-canadians-on-the-wealthy-barber-podcast/</link>
					<comments>https://boomerandecho.com/retirement-planning-for-regular-canadians-on-the-wealthy-barber-podcast/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Tue, 26 May 2026 16:47:15 +0000</pubDate>
				<category><![CDATA[Must Read]]></category>
		<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673054</guid>

					<description><![CDATA[I am beyond thrilled to share this latest episode of The Wealthy Barber podcast with David Chilton. I was invited back as a return guest to talk about retirement planning for regular Canadians, why retirees struggle to turn off the savings taps and turn on the spending taps, and how my advice-only financial planning model&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/retirement-planning-for-regular-canadians-on-the-wealthy-barber-podcast/feed/</wfw:commentRss>
			<slash:comments>14</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: The Worried Wealthy Edition</title>
		<link>https://boomerandecho.com/weekend-reading-the-worried-wealthy-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-the-worried-wealthy-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 16 May 2026 02:15:38 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673048</guid>

					<description><![CDATA[I work with a lot of clients who have done everything right. They saved diligently throughout their careers, paid off their mortgage, maxed out their registered accounts, and arrived at retirement with more money than they ever expected to have. And yet they&#8217;re worried. Not about whether they can afford to retire &#8211; they clearly&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-the-worried-wealthy-edition/feed/</wfw:commentRss>
			<slash:comments>23</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Money Makes Money (Sort Of) Edition</title>
		<link>https://boomerandecho.com/weekend-reading-money-makes-money-sort-of-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-money-makes-money-sort-of-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 09 May 2026 00:35:55 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673044</guid>

					<description><![CDATA[I read a Globe and Mail piece by RBC senior portfolio manager Nancy Woods this week, one of those &#8220;investing basics&#8221; explainers aimed at people just getting started. The hook was a herd-of-cows analogy: your money is the herd, dividends are the milk, price appreciation is the baby cows (the herd growing over time). The&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-money-makes-money-sort-of-edition/feed/</wfw:commentRss>
			<slash:comments>26</slash:comments>
		
		
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