The information on this site is intended to educate members of the public generally and is not intended to provide solutions to individual problems or issues. It is general information, and should not be construed as advice on legal, accounting, financial or tax matters. Retirement planning issues are complex and the answers to specific questions depend on many factors, not all of which are obvious.

Further, laws, regulations and administrative policies change frequently, and readers are cautioned against making estate planning decisions on the basis of information contained herein. Readers are strongly advised to seek competent professional legal, tax, and personal finance advice. We (Canadian Retirement Education Group Inc., Douglas Gray, and snowbird.ca), assume no responsibility or liability with respect to use of the site, and users’ use this site, or any links from this site, with that explicit understanding.

Users who click on to links with other sites, do so with the understanding that the accuracy of the content is beyond our control.

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