While there is little doubt that the retirement landscape has changed, so to has our perception of what our golden years should entail. While many still envision wintering in sun and surf, most of us realize that a phased entry into retirement spent among family and friends is the more likely scenario.
Most people’s retirement planning never takes into account the likelihood of them incurring significant health care costs. The reality is that only 23% of new drugs are covered by Canadian Provincial Public Drug Coverage.