About Pension Paradigm


Defined Benefit Pension Plan members across Canada and the U.S.A are not aware that they have given up control of their funding retirement asset.  THEY DO NOT OWN THE ASSET.

There has been a deliberate marketing agenda to confuse and misinform pensioners that giving up ownership of this important asset in exchange for a guaranteed I.O.U. is good financial planning and management.

Pension Paradigm was created to educate and demystify this important subject and become a member advocate.  Thousands Are Unaware of the Assets They Could Have Owned. We feel that there is lots of confusion and misinformation about the truth of Defined Benefit Plans. So we have prepared a Special Report on Pension Paradigm for you.

Pension Paradigm cuts through the mystique of government and corporate regulations. It unveils sound strategies that lead you to freedom from work transitioning to retirement.

Excerpts from Pension Paradigm, 2nd Edition

Knowledge is Power

If you are knowledgeable, you can make the right choices. Retirement is all about options. You must choose them carefully–well before you retire. This book will give you the insight you need to start asking key questions.

What will retirement mean?

Lack of employee control over pension benefit inheritance, claw backs, career change trends, new transfer legislation and pension income sharing are new and confusing aspects for those trying to plan for their family future. Combine that with under-usage of the Registered Retirement Savings Plan (RRSP) and your retirement plan may not be what you think it is.

Independent Retirement

We are retiring earlier and living longer. Longevity is not “news” but is important when placed alongside inflation. What appears to be a good income at retirement age may dwindle significantly after a decade.

Brite Ideas!

How are you looking at retirement? Have you thought it through and discussed it with anyone? Done a financial analysis of income vs debt when retired? Remember: as William James said, “When you have a choice and don’t make it, that in itself is a choice.”


About the Author

Hugh Carter made the paradigm shift from working for a living to creating independent wealth at age 39.  His vehicle of choice was in the real estate market. Today his vision has expanded to include pensions, RRSPs, and condominium development. Hugh is also the author of Hidden Profits In Your Backyard.

Ralph Hahmann Ralph Hahmann

Ralph Hahmann is a Certified Professional Consultant on Aging (CPCA) with a background of over 30 years experience in the financial industry. His role in Pension Paradigm is as advisor to the author. Ralph’s expertise is consultation services, specializing in tax efficient, retirement income, and estate planning.