“The ideal situation at retirement is that the monthly income generated from these pillars is enough to sustain a client’s lifestyle without going into debt. But that’s becoming harder to rely on as many are concerned about whether there will be enough money left in the pension pool when it’s their time to retire.”

Tom Gilman, BA, CIM, CFP, CLU, FCSI, senior wealth Advisor and senior Portfolio Manager at Harbourfront, shared insights on the landscape for retirement investing with The Globe and Mail on December 6, 2022.