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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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	<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 $3,600 + 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>15</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'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>22</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>
		
		
			</item>
		<item>
		<title>Money Bag: CAGE, Cash Wedges, and Net Worth Calculations</title>
		<link>https://boomerandecho.com/money-bag-cage-cash-wedges-and-net-worth-calculations/</link>
					<comments>https://boomerandecho.com/money-bag-cage-cash-wedges-and-net-worth-calculations/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 02 May 2026 21:50:38 +0000</pubDate>
				<category><![CDATA[Money Bag]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673039</guid>

					<description><![CDATA[Welcome to the Money Bag, where I answer questions and address comments from readers on a wide range of money topics, myths, and perceptions about money. No question is off limits, so hit me up in the comments section or send me an email about any money topic that’s on your mind. Today, I'm answering reader questions about&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/money-bag-cage-cash-wedges-and-net-worth-calculations/feed/</wfw:commentRss>
			<slash:comments>56</slash:comments>
		
		
			</item>
		<item>
		<title>How to Estimate Your Taxes So You&#8217;re Never Surprised</title>
		<link>https://boomerandecho.com/how-to-estimate-your-taxes-so-youre-never-surprised/</link>
					<comments>https://boomerandecho.com/how-to-estimate-your-taxes-so-youre-never-surprised/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 25 Apr 2026 00:38:48 +0000</pubDate>
				<category><![CDATA[Taxes]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673024</guid>

					<description><![CDATA[Every spring, two groups of Canadians are equally confused. The first group gets a big tax refund and feels great about it. The second group gets a surprise tax bill and feels terrible. Neither group planned for what happened. A big tax refund means you overpaid taxes throughout the year and handed the government an&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/how-to-estimate-your-taxes-so-youre-never-surprised/feed/</wfw:commentRss>
			<slash:comments>30</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: What Happens to Your Health Benefits When You Retire?</title>
		<link>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/</link>
					<comments>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 11 Apr 2026 04:54:15 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1673012</guid>

					<description><![CDATA[One of the top questions I hear from soon-to-be-retired clients is some version of: &#8220;What do I do about health coverage when I leave my employer plan?&#8221; The anxiety is real. For decades, benefits were just&#8230; there. Dental cleanings, prescriptions, massage, physio &#8211; it felt like free money. Now they're staring down retirement wondering how&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-what-happens-to-your-health-benefits-when-you-retire/feed/</wfw:commentRss>
			<slash:comments>41</slash:comments>
		
		
			</item>
		<item>
		<title>This Is a Retirement Plan (Are We There Yet… or Not?)</title>
		<link>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/</link>
					<comments>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 04 Apr 2026 00:28:56 +0000</pubDate>
				<category><![CDATA[Retirement]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672996</guid>

					<description><![CDATA[Like many soon-to-be retirees, Patricia and Charles are feeling that familiar tension as they approach the finish line. They’ve done a lot right. They’ve built up more than $1.2 million in investments, kept their spending reasonable, and stayed consistent savers throughout their careers. But that doesn’t necessarily translate into confidence. Patricia, as the higher earner,&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/this-is-a-retirement-plan-are-we-there-yet-or-not/feed/</wfw:commentRss>
			<slash:comments>37</slash:comments>
		
		
			</item>
		<item>
		<title>Waiting for a Better Time to Invest</title>
		<link>https://boomerandecho.com/waiting-for-a-better-time-to-invest/</link>
					<comments>https://boomerandecho.com/waiting-for-a-better-time-to-invest/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Fri, 27 Mar 2026 16:55:10 +0000</pubDate>
				<category><![CDATA[Investing]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672990</guid>

					<description><![CDATA[Hannah reached out last week to say she inherited $350,000 almost a year ago and hasn’t invested a dollar of it. It’s been sitting in cash since last April. And to be fair, April didn’t exactly feel like a great time to invest. Liberation Day tariffs had just been announced, markets were sliding, and suddenly&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/waiting-for-a-better-time-to-invest/feed/</wfw:commentRss>
			<slash:comments>34</slash:comments>
		
		
			</item>
		<item>
		<title>Weekend Reading: Your TFSA Contribution Room Edition</title>
		<link>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/</link>
					<comments>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/#comments</comments>
		
		<dc:creator><![CDATA[Robb Engen]]></dc:creator>
		<pubDate>Sat, 21 Mar 2026 20:24:47 +0000</pubDate>
				<category><![CDATA[Around the Blogosphere]]></category>
		<guid isPermaLink="false">https://boomerandecho.com/?p=1672973</guid>

					<description><![CDATA[If you contribute regularly to your TFSA you already know this, but it’s worth repeating. Your My CRA Account is not a live tracker of your TFSA contribution room. In fact, it can be frustratingly slow to update. The reason is straightforward. Financial institutions have until the end of February each year to report your&#8230;]]></description>
		
					<wfw:commentRss>https://boomerandecho.com/weekend-reading-your-tfsa-contribution-room-edition/feed/</wfw:commentRss>
			<slash:comments>15</slash:comments>
		
		
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