A B.C. couple we’ll call Helen, 46, and Sam, 58, have a daughter Kim, 11. They have take-home income of $12,800 per month from their jobs, his in high tech, hers in a non-profit community service organization. Both arrived in Canada at age 29 (but 12 years apart) and since then they have done everything right financially — they have built up $422,000 in registered and non-registered savings and cash. Sam wants to retire...

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