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Adam Chapman financial advisor
– moneysense.ca
Meet Adam Chapman
Adam Chapman jokes that he’s a financial planner who helps people spend money—not save it. And, thanks to his love for afternoon tea, Chapman has worked with people from generations older than him for nearly 20 years. No matter how much wealth his clients have achieved before retirement, they all struggle to freely use their money.
That’s why Chapman’s practice focuses on retiree behaviour as much as it does on the technical aspects of retirement income planning. He works so that his clients do not miss out on the retired life they promised themselves, by making retirement spending feel as good as they believed it would.
His clients don’t just spend more—they live more, give more and do more with the time they have left.
Services• Financial Planning• Investment Planning & Implementation• Insurance Planning & ImplementationSpecializations• Investment Management• Retirement Income Planning• PensionsPayment Model• Fees paid by clients based on assets managed by advisor• Fees paid by clients for advice (not based on assets)Languages written and spoken• English
What are three services that are unique to you?
“Layering tax-effective retirement income, securing income sources people can’t outlive, and coaching retirees to spend with confidence…
Should you hold gold in a RRIF?
– moneysense.ca
I have a RRIF (registered retirement income fund) and I am looking to shift it to gold. I am 65 years old. Is this safe and does this make sense?
—Audrey
Investing in gold for retirement in Canada
Gold prices have surged recently, rising 26% over the past year. Silver has also had a good run, up 24% over the same period. Mind you, for perspective, the S&P 500 has a total return including dividends of 20% over the past year as well.
Can you hold gold in a registered account?
Gold is considered a qualified investment for registered accounts in Canada, Audrey. This means you can hold gold in a registered retirement savings plan (RRSP) or registered retirement income fund (RRIF).
However, gold and silver bullion coins, bars and certificates are subject to conditions. For example, gold coins must be at least 99.5% pure, while silver coins must be at least 99.9% pure. Coins cannot have a collectible value, so the fair market value cannot exceed 110% of the value of its gold or silver content…
