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hi my name is Adam Bourne from parallel wealth today I want to talk about retirement planning and a lot of you uh focus on building up for retirement but when it comes time to retire there are a lot of important decisions you need to make when to take your CPP when to take your old age security how to draw down your registered accounts theres a lot that goes on between your income stream and your tax stream so today I want to talk a little bit about things you need to think about as you head into retirement and a couple things that you should probably implement within your retirement plan to make more efficient as far as giving you more after tax income and paying less tax to CRA I want to share the planning software that we use here and this is called Snap projections now if your financial planner isnt putting a plan like this together for you Luke back with him or her and have them do this this is part of the service that you should be paying for with your financial planner so wha