{"id":32,"date":"2026-09-23T17:00:00","date_gmt":"2026-09-23T17:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/sharonfinancial-ca\/2026\/09\/23\/canadas-three-income-layers-for-retirement\/"},"modified":"2026-09-23T17:00:00","modified_gmt":"2026-09-23T17:00:00","slug":"canadas-three-income-layers-for-retirement","status":"publish","type":"post","link":"https:\/\/www.sharonfinancial.ca\/blog\/2026\/09\/23\/canadas-three-income-layers-for-retirement\/","title":{"rendered":"Canada&#8217;s Three Income Layers for Retirement"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/sharon-51\/the-4-rule-isnt-a-retirement-plan-id-build-these-3-income-layers-instead-remotion-videos-6990\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>The 4% rule gave a useful starting estimate, but it did not show which assets to sell in crashes or handle faster inflation.<br \/>\nLayer one paired public pensions and any workplace pension. In 2026, maximum public benefits alone topped $2.2K monthly before tax for retirees.<br \/>\nIf annual portfolio withdrawals were $24K, keeping $48K reserved could cover ~2 yr of monthly income during market weakness without forced stock sales.<br \/>\nLayer three emphasized globally diversified equities and Canadian dividend growers, while tax differences between TFSA, RRSP, and RRIF accounts shaped asset placement.<br \/>\nTogether, the three layers explained where the next retirement payment could come from, even when markets were weak and optional spending needed temporary cuts.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The 4% rule gave a useful starting estimate, but it did not show which assets to sell in crashes or handle faster inflation. Layer one paired public pensions and any workplace pension. In 2026, maximum public benefits alone topped $2.2K monthly before tax for retirees. If annual portfolio withdrawals were $24K, keeping $48K reserved could [&hellip;]<\/p>\n","protected":false},"author":372,"featured_media":69,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-32","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/posts\/32","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/users\/372"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/comments?post=32"}],"version-history":[{"count":0,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/posts\/32\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/media\/69"}],"wp:attachment":[{"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/media?parent=32"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/categories?post=32"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sharonfinancial.ca\/blog\/wp-json\/wp\/v2\/tags?post=32"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}