Are you worried about running out of money in retirement? In this video, Halifax Realtor Roy Thomas (Sutton Group Professional Realty & HalifaxSeniorLiving.ca) sits down with Fred Perry of Hub Financial, who has over 50 years of experience in financial services, to discuss estate planning strategies, investment options, and guaranteed income solutions for seniors.
This conversation is especially valuable for homeowners who are downsizing in Halifax, Nova Scotia, and want to make the most of their home equity when planning for retirement. Many seniors discover that selling the family home not only simplifies their lifestyle but also creates liquid capital that needs to be invested wisely. The challenge is ensuring that money lasts throughout retirement without being consumed too quickly.
Chapters / Key Moments
0:00 – Introduction: Are you afraid of running out of money in retirement?
0:40 – Meet Roy Thomas & Halifax Senior Living
1:05 – Guest Introduction: Fred Perry, Hub Financial
2:10 – Every retirement plan is unique
3:15 – Understanding risk tolerance and investment profiles
4:45 – Common investment options (RRSPs, TFSAs, real estate, stocks, bonds)
6:00 – Using home sale proceeds for retirement income
7:15 – What are segregated funds and how do they work?
8:30 – Creditor protection benefits of segregated funds
9:25 – How annuities guarantee income for life
10:40 – Fixed-term vs. lifetime annuities explained
11:45 – Final thoughts: Why one-on-one planning matters & how to get started
What You’ll Learn in This Video
How to prevent running out of money in retirement with the right financial tools.
Why risk tolerance determines your investment plan.
The pros and cons of RRSPs, TFSAs, segregated funds, mutual funds, and annuities.
The role of downsizing your home to free up equity and fund retirement.
How annuities create a guaranteed income stream for life, ensuring you never outlive your money.
Downsizing & Retirement Planning
As a Seniors Real Estate Specialist (SRES®), I specialize in helping older adults transition from family homes into condos, apartments, or retirement communities. Downsizing is more than a move — it’s a financial strategy that can free up equity, reduce expenses, and allow you to invest in a retirement plan that ensures long-term stability.
About Our Guest: Fred Perry
Fred Perry of Hub Financial has spent more than five decades helping Canadians secure their future through smart investments. In this video, Fred explains:
How segregated funds provide guarantees and creditor protection.
Why annuities may be the most reliable retirement income strategy.
How to customize investments based on each person’s risk profile.
Connect With Us
Fred Perry: 902-989-1041 | [email protected]
Roy Thomas: 902-497-3031 | http://www.RoyThomas.ca
Free Resources for Seniors
Looking to downsize or plan your next chapter? Visit:
https://roythomas.ca/resources for free reports and guides.
Request a Free Home Evaluation: http://www.HalifaxHomeEvaluation.com
Don’t Forget!
✅ Like this video
✅ Subscribe to the Halifax Senior Living YouTube Channel
✅ Share with a friend or family member who’s planning their retirement
Roy Thomas is a dedicated and compassionate real estate professional based in Halifax, Nova Scotia, He has been licensed since 1991. His specialty is assisting seniors and their families as they navigate the often complex process of downsizing from their homes. Recognizing the emotional and logistical challenges involved in such transitions, Roy offers a personalized, hands-on approach, ensuring his clients feel supported every step of the way. His deep understanding of the local market and his commitment to integrity and clear communication have made him a trusted advisor for many Halifax families. In addition to his expertise in real estate, Roy has cultivated a network of trusted professionals, including stagers, Movers, financial and legal advisors and others to help ease the downsizing process.
Roy Thomas, SRES®, Senior’s Real Estate Specialist Cell: 902-497-3031
Sutton Group Professional Realty
Web site: http://www.HalifaxSeniorLiving.ca
