{"id":2267,"date":"2026-08-31T09:08:00","date_gmt":"2026-08-31T13:08:00","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/klugeadvisorygroup\/?p=2267"},"modified":"2026-08-28T17:05:32","modified_gmt":"2026-08-28T21:05:32","slug":"is-the-cash-building-up-in-your-chequing-account-actually-part-of-your-plan","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/klugeadvisorygroup\/is-the-cash-building-up-in-your-chequing-account-actually-part-of-your-plan\/","title":{"rendered":"Is the Cash Building Up in Your Chequing Account Actually Part of Your Plan?"},"content":{"rendered":"

Here is a pattern that often shows up.<\/p>\n

A client retires. They set up a monthly distribution from their portfolio to their bank accounts based on what they think they will need.\u00a0 As life plays out, their spending turns out to be lower than expected. As a result, cash starts to quietly accumulate in their chequing and savings accounts.<\/p>\n

On the surface, that sounds like a good problem and on some levels it is. It is not a crisis, but it is worth paying attention to.<\/p>\n

 <\/p>\n

The problem with unintentional cash<\/strong><\/h3>\n

Money sitting in a chequing account earns very little. In an environment where inflation is running at even 2%\u20133%, cash in a low-interest account is losing real purchasing power every day. On more substantial amounts it is a slow, invisible drag on wealth that adds up over time.<\/p>\n

More importantly, unintentional cash is a signal that something in the retirement income plan has drifted out of alignment. The distribution level that made sense on day one of retirement may not reflect where life is three or five years in.<\/p>\n

Spending changes. Travel plans shift. Health costs evolve. Children or grandchildren may need support. The original number was a starting point, not a permanent answer.<\/p>\n

 <\/p>\n

The fundamental question <\/strong><\/h3>\n

Is this cash intentional?<\/p>\n

That is the only question that matters here. If the answer is yes because building a reserve reflects a deliberate choice about security, legacy, or a major purchase, then the plan is working. Leave it alone.<\/p>\n

If the cash has simply accumulated because nobody revisited the distribution level, then it is worth asking what that money could be doing instead. It could be supporting family now rather than later. It could be structured for a legacy gift. It could be redeployed into the portfolio to generate better long-term returns. It could be used to fund a more generous version of retirement than the current one.<\/p>\n

None of those options are automatically right. The point is to make a choice rather than let the default run.<\/p>\n

 <\/p>\n

Why this matters for business owners and professionals<\/strong><\/h3>\n

For clients who spent decades managing cash flow in a business or earning a professional income, retirement income planning feels different. Business or professional income is active, and retirement income is passive. The instinct to spend less than you earn, which served you well for forty years as you accumulated wealth, can quietly work against you in retirement.<\/p>\n

The goal in retirement is not necessarily to accumulate more. It is to make sure every dollar of what you have built is working towards something you want.<\/p>\n

If your cash balances have been creeping up and you have not revisited your distribution strategy recently, that conversation is worth having. Reach out, it is a short one.<\/p>\n

 <\/p>\n

Conrad Kluge CFA, CFP\u00ae, Senior Wealth Advisor, Senior Portfolio Manager,<\/span> leads the Kluge Wealth Advisory Group and is a financial advisor at Wellington-Altus Private Wealth, working with high-net-worth families in Calgary, Alberta. This post is for informational purposes only and does not constitute investment advice. Please consult with a qualified financial professional regarding your specific situation.<\/em><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Here is a pattern that often shows up. A client retires. They set up a monthly distribution from their portfolio to their bank accounts based on what they think they will need.\u00a0 As life plays out, their spending turns out to be lower than expected. 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