Retirement planning in Canada has never been more important—or more complex. Over the years, I’ve sat down with hundreds of clients in Timmins and Northern Ontario who are approaching this stage of life. Many have done a great job saving. But even among financially responsible Canadians, I’ve seen a few common mistakes derail what should have been a confident, comfortable retirement.

Becoming a doctor is one of life’s most demanding professional journeys. Years of education, long nights, high stress—and once you get through it all, you finally begin earning the income you worked so hard to achieve.