John De Vincenzi, Investment Advisor of RBC Dominion Securities Inc.

05/26/2026

How to Turn Your Portfolio into Reliable Income (Without Selling at the Wrong Time)

For many retirees, one of the biggest financial fears isn’t simply market volatility, it’s being forced to sell investments during a downturn just to cover living expenses.

After years of building wealth, retirement shifts the focus from accumulation to dependable income. Yet many portfolios are still structured for growth rather than cash flow, which can create stress when markets become unpredictable.

The challenge is known as “sequence risk.” If markets decline early in retirement while you are regularly withdrawing from investments, the long-term impact on your portfolio can be significant. Selling assets when values are temporarily depressed may reduce your portfolio’s ability to recover over time.

The solution isn’t necessarily avoiding the market; it’s creating a strategy designed to produce reliable income regardless of market conditions.

A well-structured retirement income plan often includes a combination of dividend-paying investments, fixed income, cash reserves, and strategically timed withdrawals from registered and non-registered accounts. Having several years of planned cash flow available can help reduce the need to sell growth investments during weaker markets.

Tax efficiency also plays an important role. Drawing income from the right accounts at the right time can potentially reduce taxes and help extend the life of your portfolio.

Another key consideration is flexibility. Retirement spending is rarely perfectly linear. Some years may involve travel, supporting family, or larger purchases, while other years require less. A strong income strategy accounts for both stability and adaptability.

Most importantly, retirement income planning should focus on sustainability, not simply chasing the highest returns. The goal is confidence: knowing your lifestyle can continue without being overly dependent on daily market movements.
If you haven’t reviewed how your portfolio is designed to generate income, now may be the right time. Small adjustments today can make a meaningful difference in helping you preserve wealth, reduce stress, and enjoy retirement with greater certainty.

If you would like a complimentary review of your retirement income strategy and portfolio structure, I’d be happy to provide a second opinion.

05/18/2026

You're successful in business, but will you succeed in succession? The key to passing on your business is to start planning early – even before you decide on a retirement date. Watch the video for some important tips and contact me to get started.

05/15/2026

Learn how supply and demand affects prices, jobs, housing and daily financial decisions in Canada. The post How Supply and Demand Affect Prices and Everyday Life in Canada appeared first on RBC Royal Bank.

Learn how supply and demand affects prices, jobs, housing and daily financial decisions in Canada.

05/13/2026

If you're getting a tax refund this year, you've got options. A vacation or home upgrade could be one. But depending on what your goals are right now, you can also consider saving all or a portion for your financial future.

A few ideas:
- Pay down non-deductible debt: Reduce outstanding non-deductible debt that’s subject to a high interest rate like credit cards or personal loans.
- Education savings: Contributing to a RESP now means you're investing in your children's or grandchildren's future.
- Protect what matters: Update your Will or make sure your insurance coverage still fits your life today.

There's no one-size-fits-all answer. If you want to talk through how to prioritize your refund to align with your goals, you can reach out to me.

05/11/2026

U.S. equity markets are at record levels, supported by resilient corporate earnings and investors looking past geopolitical risks in the Middle East. However, a widening gap is emerging between asset prices and underlying economic conditions.

U.S. equity markets are at record levels, supported by resilient corporate earnings and investors looking past geopolitical risks in the Middle East. However, a widening gap is emerging between asset prices and underlying economic conditions.

05/10/2026

Happy Mother's Day to the people shaping the next generation. Your patience, your wisdom, your love—it all matters more than you know.

05/08/2026

Grateful to have attended the RBC Global Asset Management Spring Investment Forum this week alongside some of the brightest minds in the Canadian investment industry, including GAM’s Global Chief Investment Officer, Stu Kedwell.

Events like these reinforce the importance of staying connected to leading market research, portfolio insights, and evolving investment strategies so we can continue delivering thoughtful guidance to our clients.

Our partnerships with RBC Global Asset Management provide access to valuable institutional resources and investment expertise that help us build customized strategies tailored to each client’s goals, priorities, and long-term financial vision.

Always appreciative of the opportunity to learn, collaborate, and bring new perspectives back to the families and businesses we serve.

05/07/2026

How to Build Financial Resilience With Smart Cash Flow Management The post How to Build Financial Resilience With Smart Cash Flow Management appeared first on RBC Royal Bank.

How to Build Financial Resilience With Smart Cash Flow Management

05/04/2026

Did you know your TFSA contribution room keeps growing - even if you've never opened an account?

And here's something to think about: your kids' TFSA room is building right now too. From the moment they turn 18, contribution room starts accumulating, whether they open an account or not.

Reach out if you’d like to explore what this means for your financial plan and your family.

05/02/2026

If your side hustle is asking for more of your time and taking off, it may be a sign that it’s ready for its next phase. The post 5 Signs It’s Time to Go Full-Time with Your Side Hustle appeared first on RBC Royal Bank.

If your side hustle is asking for more of your time and taking off, it may be a sign that it’s ready for its next phase.

04/29/2026

Canada’s 2026 Spring Economic Update has several measures that could impact tax and wealth planning. What are those key measures and how might they impact you?

Find out here:

We analyze the Spring Economic Update and summarize some of the income tax measures and programs that may affect Canadians and their families.