More and more Canadians do not have a defined benefits pension plan. Companies for years have been moving away from this model due to the expense of maintaining enough in the plan to pay out until the employee and survivors pass away. Those who are self employed also do not have pensions beside the Canadian Pension Plan.  This leaves a large number of Canadians with a potential hole in their financial futures and questions about their futures in retirement. What can you do if you fall into either of these cate... read more