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Benefit from specialized expertise and personalized advice.","Ready to get answers?","Fast responses","Our {categoryName} experts","Our specialties","Verified Experts","Discover","Qualified professionals at your service","What our clients say","Get an expert answer in 3 simple steps","Choose your area of expertise","Discover the opinions of those who have trusted us",{"revisionAuto":624,"vaccinAnimal":631,"rdvSpecialiste":638,"pensionAlimentaire":645,"conventionCollective":652},{"alert":625},{"agenda":626},{"time":627,"title":628,"expert":629,"insight":630},"Saturday · 10:00 AM","Scheduled Maintenance","Auto Expert K. Singh","To maintain your manufacturer's warranty, ensure the service schedule is followed. Here are 3 key points to check on your invoice.",{"alert":632},{"agenda":633},{"time":634,"title":635,"expert":636,"insight":637},"This Week","Annual Vaccine Booster","Dr. L. 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The expert in {city} was able to reassure me and guide me exactly to what I needed.",{"title":944,"subtitle":945,"subtitleExpert":946,"titleWithExpert":947},"New Question","Ask your question, we will find the right expert!","Ask your question, the answer will be sent to you.","New Question for {name}",{"to":949,"seconds":950,"responseTo":951,"expertReading":952,"estimatedResponseTime":953,"expertSentPartialResponse":954},"to","seconds","Response to","{firstName} {lastName} is reading your question","Estimated response time: between 5 and 10 minutes","{expertName} sent a partial response to",{"back":533,"title":534,"sending":535,"sendLink":536,"description":956,"notifications":957},"A reset link will be sent to your email address",{"error":205,"emailSent":537,"emailError":958,"loginRequired":959,"emailSentDescription":539},"Could not send reset email. 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How can I help you?","Ask an expert > {category} online","{Profession} online for your needs in {synonym1}, {synonym2}","get immediate and adequate assistance",{"accessMySpace":1073,"calendarConnected":1074,"connectMyCalendar":1075,"startFreeWithGoogle":1076,"startFreeWithGoogleMobile":1077},"Access my space","Calendar connected","Connect my calendar","Get my free action plan","Get my free\u003Cbr>action plan",{"no":1079,"yes":1080,"city":568,"name":192,"phone":580,"title":870,"country":571,"familyLabel":1081,"ageRangeLabel":1082,"childrenLabel":1083,"familyOptions":1084,"ageRangeOptions":1091,"phonePlaceholder":1097,"professionalLabel":1098,"cityPlaceholderZip":573,"cityPlaceholderCity":568,"cityPlaceholderFull":1099,"namePlaceholderFull":1100,"namePlaceholderLast":1101,"professionalOptions":1102,"namePlaceholderFirst":1109},"No","Yes","Family Situation","Your Age Range","Dependent Children",{"couple":1085,"single":1086,"married":1087,"widowed":1088,"divorced":1089,"partnership":1090},"In a Relationship","Single","Married","Widowed","Divorced","Civil Partnership",{"a":1092,"b":1093,"c":1094,"d":1095,"e":1096},"18-25 years old","26-35 years old","36-50 years old","51-65 years old","65+ years old","+1 (XXX) XXX-XXXX","Professional Situation","Postal Code, City","First Name Last Name","Last Name",{"other":1103,"owner":1104,"student":1105,"employee":1106,"freelance":1107,"jobSeeker":1108},"Other","Business Owner","Student","Employee","Independent \u002F Freelancer","Job Seeker","First Name",{"title":1111,"subtitle":1112},"What our clients say about us","Discover reviews from those who have trusted us",{"comingSoon":1114,"chooseSpecialty":1115},"coming soon","Choose a specialty below for {cityName}.",{"id":1117,"slug":1118,"title":1119,"excerpt":1120,"contentMd":1121,"heroImage":1122,"heroImageAlt":1123,"heroImageCredit":1124,"audioUrl":1125,"audioGeneratedAt":1126,"readingTimeMin":52,"status":1127,"lang":11,"countryCode":1128,"languageCode":1129,"categoryId":63,"expertId":1130,"metaTitle":1131,"metaDescription":1132,"keyword":1133,"trendingTopic":1134,"trendSource":1135,"seoApiPageId":1136,"seoApiTenantId":1137,"viewCount":1138,"internalLinksCount":1139,"gscVerdict":1140,"gscCoverage":1141,"gscLastCrawl":7,"gscCheckedAt":1142,"gscIndexingState":7,"gscRobotsTxtState":7,"gscPageFetchState":7,"gscGoogleCanonical":7,"gscCrawledAs":7,"cwvLcp":1143,"cwvLcpRating":1144,"cwvFcp":1145,"cwvFcpRating":1144,"cwvCls":1139,"cwvClsRating":1146,"cwvAuditedAt":1147,"publishedAt":1148,"createdAt":1149,"updatedAt":1150,"category":1151,"expert":1152,"_renderedHtml":1160},"cmsnhlpfk03uf43rn79x5jpuj","gino-chouinard-98-5-fm-career-pivot-wealth-planning-2026","Gino Chouinard's Radio Leap After 20 Years: What His Career Pivot Reveals About Your Financial Safety Net","Gino Chouinard takes the microphone at 98.5 FM in Montreal on August 17, 2026, officially closing a two-year chapter that began when the veteran broadcaster stepped away from Salut Bonjour — TVA's fla","Gino Chouinard takes the microphone at 98.5 FM in Montreal on August 17, 2026, officially closing a two-year chapter that began when the veteran broadcaster stepped away from Salut Bonjour — TVA's flagship morning program — in 2024. Cogeco Média confirmed in April 2026 that Chouinard would replace Philippe Cantin at the helm of Le Québec maintenant, the network's afternoon drive show. For Quebec media watchers, the move is a satisfying second act. For wealth advisors watching from the sidelines, it is something more instructive: a public case study in what a long-tenured professional actually faces when an 18-year career ends and a new chapter begins.\n\n## The Two-Year Gap That Most Professionals Underestimate\n\nBetween his TVA departure in 2024 and his 98.5 FM debut this August, Chouinard maintained a visible presence — a stint on the reality program Sortez-moi d'ici, and a February 2026 guest appearance marking the 400th episode of Ça finit bien la semaine — while navigating the financial and contractual realities that accompany any departure from a major broadcaster. No salary figures have been disclosed publicly. No settlement terms were made available, as is standard in the industry.\n\nWhat remains visible is the timeline. Two years is a long stretch to manage income, pension continuity, and benefits outside a long-standing employer structure. Most working Canadians will not experience a career pivot in front of cameras. But a growing number will face the same underlying disruption: a departure from a role held for a decade or more, followed by a period of recalibration, followed eventually by a new professional home.\n\nThe [Financial Consumer Agency of Canada](https:\u002F\u002Fwww.canada.ca\u002Fen\u002Ffinancial-consumer-agency.html) ranks major career transitions among the top triggers for financial vulnerability for working Canadians. Yet fewer than 4 in 10 Canadians hold a formal financial plan capable of absorbing one.\n\n## What a Long-Tenured Departure Actually Triggers\n\nThe financial complexity of leaving a role after 10 or more years is routinely underestimated. Professionals tend to focus on the severance amount and the new salary offer — two figures that are highly visible. What they overlook is the cluster of simultaneous shifts that occur the moment their last day arrives.\n\n**Severance taxation is steeper than most expect.** In Canada, most severance payments are fully taxable as employment income in the year they are received. Both amounts land on the same T4 when salary and a severance package arrive in the same calendar year. The stacking effect can push taxable income well above the bracket the professional expected. Tax planning advisors note that packages can lose more than 50% of their face value to combined federal and provincial taxes when received without advance structuring. Professionals with service accrued before 1996 may shelter a portion of their retiring allowance directly into an RRSP under legacy CRA rules, but this window requires specific documentation filed before the deadline.\n\n**Pension continuity breaks quietly.** In a defined benefit plan, the difference between leaving at year 15 and year 17 can represent tens of thousands of dollars in lifetime income. Most professionals do not request a termination-date pension projection from HR until they are already out the door — by which point their negotiating options are significantly narrower.\n\n**Benefits coverage ends faster than anticipated.** Group health and dental insurance typically terminates on the last day of employment or at the end of that calendar month. The gap between one employer's coverage ending and a new employer's waiting period beginning — commonly 60 to 90 days — is where families absorb prescription, dental, and specialist costs at full out-of-pocket rates.\n\n## Dominique's Numbers: When the 16-Year Broadcaster Leaves\n\nTake the case of Dominique, a 51-year-old media content producer in the greater Montreal area who left a broadcaster after 16 years in early 2026, receiving a severance package of $62,000. She accepted a new contract role at $88,000 per year — a $14,000 annual reduction from her previous base — with no defined benefit pension and no employer group benefits.\n\nHere is what her first session with a wealth advisor surfaced:\n\n- **Tax exposure on the $62,000 severance**: Combined with the salary earned through February 2026, Dominique's total 2026 employment income was projected at approximately $158,000. Quebec's combined federal-provincial marginal rate above $153,900 reaches 53.31%, meaning a portion of her severance faced that rate rather than the 46% bracket she had assumed. Her projected surprise tax liability for April 2027: $4,800 above her internal estimate.\n- **Pension gap from early departure**: Dominique's defined benefit plan would have paid $1,940 per month at age 65 had she stayed to year 20. Leaving at year 16 reduced her projected pension to $1,470 per month — a difference of $470 per month, or approximately $112,800 in lifetime income over a 20-year retirement horizon.\n- **Benefits coverage gap cost**: With a standard 90-day waiting period at her new employer and no individual bridge policy purchased, Dominique's family prescription and dental costs during the gap came to $3,100. She had not budgeted this amount because she had not known the gap existed.\n\n**If Dominique had structured her severance across two tax years**, negotiated a group RRSP matching contribution in her new contract, and purchased a 90-day individual health bridge policy before her previous coverage lapsed, her combined first-year financial exposure would have dropped by an estimated $9,000 to $12,000. The planning conversation required two 90-minute meetings. The savings compounded across every subsequent year.\n\n## Four Steps to Take Before You Sign Anything\n\nGino Chouinard's return to daily broadcasting — a credible new platform, a strong afternoon audience, a clean public announcement — reads as a well-managed transition. Behind that public story, the financial mechanics of departure and re-entry were resolved in conversations most people never see. A wealth advisor brings those conversations to you before the pressure of a deadline forces the issue.\n\nFour actions should happen before you accept a departure package or a new offer:\n\n**1. Request your pension projection in writing before your last day.** Ask HR for a statement showing your projected pension if you leave today, in 12 months, and at the earliest full-vesting date. The figures are often decisive in negotiating a longer exit timeline or a lump-sum bridge payment.\n\n**2. Model the severance against your full 2026 taxable income.** Your package is not taxed in isolation — it stacks on top of whatever salary you already earned in the calendar year. Run the numbers with a tax advisor to determine whether deferring any portion to January is structurally possible and whether your RRSP contribution room can absorb a lump-sum transfer under CRA's retiring allowance rules.\n\n**3. Confirm the scope of your non-compete clause in writing before signing your release.** Talent contracts in competitive industries frequently include 6-to-12-month non-solicitation or non-compete provisions. Know which sectors and geographic areas are restricted, confirm the effective dates, and get written acknowledgement. Breaching a non-compete can trigger damages claims that exceed the severance you received.\n\n**4. Price and purchase bridge health coverage within 60 days of your group plan ending.** Individual health policies in Canada can be issued without full medical underwriting if applied for within the conversion window — typically 60 days from the group plan termination date. After that window closes, pre-existing conditions may be excluded or rated. Act before you need the coverage, not after.\n\nChouinard's pivot to 98.5 FM is, by any measure, a strong second chapter. But the value of his story for working Canadians lies less in the outcome than in the questions it surfaces: how long can your financial structure hold during a transition period, what does severance actually cost you after tax, and who is modeling those numbers before you sign? A wealth advisor can answer all three before your last day arrives.\n\n*This article is for informational purposes only and does not constitute financial, tax, or legal advice. Consult a licensed financial advisor or tax professional before making decisions related to career transitions, severance packages, or retirement planning.*\n","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Fhero\u002Fb0d2216eafd0-7a0576.webp","Gino Chouinard Quebec broadcaster at media event 2026","{\"author\": \"Mapoi257\", \"source\": \"wikimedia\", \"license\": \"CC BY-SA 4.0\", \"pageUrl\": \"https:\u002F\u002Fcommons.wikimedia.org\u002Fwiki\u002FFile:Ginochouinardmattduff.jpg\", \"attributionHtml\": \"Photo: Mapoi257 \u002F Wikimedia (CC BY-SA 4.0)\"}","https:\u002F\u002Fpub-bdebbd2dad294475a2da0eb657815b6b.r2.dev\u002Faudio\u002Fnews\u002Fcmsnhlpfk03uf43rn79x5jpuj-7a05f6.mp3","2026-08-10T17:10:14.846Z","PUBLISHED","ca","en","3184a413-7a03-41fc-88c0-a930c7a3ea50","Gino Chouinard Radio Move: Wealth Tips 2026 | Expert Zoom","Gino Chouinard starts 98.5 FM on August 17, 2026. What his two-year career gap reveals about the financial risks Canadians face in a mid-career switch.","gino chouinard 98.5 fm career pivot wealth planning 2026","gino chouinard","CA","b0d2216eafd0","9cc87197-5408-43dc-9de5-d740868a64f4",115,0,"NEUTRAL","URL is unknown to Google","2026-08-10T17:20:13.444Z",3.3,"needs_improvement",2.7,"good","2026-08-24T19:03:54.207Z","2026-08-10T17:10:03.775Z","2026-08-10T17:10:03.776Z","2026-08-25T17:39:06.674Z",{"id":63,"name":64,"slug":65,"parentId":7},{"id":1130,"first_name":1153,"name":1154,"slug":1155,"specialty":1156,"picture":1157,"region":1158},"Julia","Vachon","julia-vachon","Wealth Management Advisor","expertPics\u002Fwealth-managers\u002Fwealth-managers-expert-1775242508634.webp",{"code":11,"country":1159},{"code":1135,"name":994},"\u003Cp>Gino Chouinard takes the microphone at 98.5 FM in Montreal on August 17, 2026, officially closing a two-year chapter that began when the veteran broadcaster stepped away from Salut Bonjour — TVA's flagship morning program — in 2024. Cogeco Média confirmed in April 2026 that Chouinard would replace Philippe Cantin at the helm of Le Québec maintenant, the network's afternoon drive show. For Quebec media watchers, the move is a satisfying second act. For wealth advisors watching from the sidelines, it is something more instructive: a public case study in what a long-tenured professional actually faces when an 18-year career ends and a new chapter begins.\u003C\u002Fp>\n\u003Ch2 id=\"the-two-year-gap-that-most-professionals-underestimate\">The Two-Year Gap That Most Professionals Underestimate\u003C\u002Fh2>\n\u003Cp>Between his TVA departure in 2024 and his 98.5 FM debut this August, Chouinard maintained a visible presence — a stint on the reality program Sortez-moi d'ici, and a February 2026 guest appearance marking the 400th episode of Ça finit bien la semaine — while navigating the financial and contractual realities that accompany any departure from a major broadcaster. No salary figures have been disclosed publicly. No settlement terms were made available, as is standard in the industry.\u003C\u002Fp>\n\u003Cp>What remains visible is the timeline. Two years is a long stretch to manage income, pension continuity, and benefits outside a long-standing employer structure. Most working Canadians will not experience a career pivot in front of cameras. But a growing number will face the same underlying disruption: a departure from a role held for a decade or more, followed by a period of recalibration, followed eventually by a new professional home.\u003C\u002Fp>\n\u003Cp>The \u003Ca href=\"https:\u002F\u002Fwww.canada.ca\u002Fen\u002Ffinancial-consumer-agency.html\">Financial Consumer Agency of Canada\u003C\u002Fa> ranks major career transitions among the top triggers for financial vulnerability for working Canadians. Yet fewer than 4 in 10 Canadians hold a formal financial plan capable of absorbing one.\u003C\u002Fp>\n\u003Ch2 id=\"what-a-long-tenured-departure-actually-triggers\">What a Long-Tenured Departure Actually Triggers\u003C\u002Fh2>\n\u003Cp>The financial complexity of leaving a role after 10 or more years is routinely underestimated. Professionals tend to focus on the severance amount and the new salary offer — two figures that are highly visible. What they overlook is the cluster of simultaneous shifts that occur the moment their last day arrives.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Severance taxation is steeper than most expect.\u003C\u002Fstrong> In Canada, most severance payments are fully taxable as employment income in the year they are received. Both amounts land on the same T4 when salary and a severance package arrive in the same calendar year. The stacking effect can push taxable income well above the bracket the professional expected. Tax planning advisors note that packages can lose more than 50% of their face value to combined federal and provincial taxes when received without advance structuring. Professionals with service accrued before 1996 may shelter a portion of their retiring allowance directly into an RRSP under legacy CRA rules, but this window requires specific documentation filed before the deadline.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Pension continuity breaks quietly.\u003C\u002Fstrong> In a defined benefit plan, the difference between leaving at year 15 and year 17 can represent tens of thousands of dollars in lifetime income. Most professionals do not request a termination-date pension projection from HR until they are already out the door — by which point their negotiating options are significantly narrower.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Benefits coverage ends faster than anticipated.\u003C\u002Fstrong> Group health and dental insurance typically terminates on the last day of employment or at the end of that calendar month. The gap between one employer's coverage ending and a new employer's waiting period beginning — commonly 60 to 90 days — is where families absorb prescription, dental, and specialist costs at full out-of-pocket rates.\u003C\u002Fp>\n\u003Ch2 id=\"dominique-s-numbers-when-the-16-year-broadcaster-leaves\">Dominique's Numbers: When the 16-Year Broadcaster Leaves\u003C\u002Fh2>\n\u003Cp>Take the case of Dominique, a 51-year-old media content producer in the greater Montreal area who left a broadcaster after 16 years in early 2026, receiving a severance package of $62,000. She accepted a new contract role at $88,000 per year — a $14,000 annual reduction from her previous base — with no defined benefit pension and no employer group benefits.\u003C\u002Fp>\n\u003Cp>Here is what her first session with a wealth advisor surfaced:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>Tax exposure on the $62,000 severance\u003C\u002Fstrong>: Combined with the salary earned through February 2026, Dominique's total 2026 employment income was projected at approximately $158,000. Quebec's combined federal-provincial marginal rate above $153,900 reaches 53.31%, meaning a portion of her severance faced that rate rather than the 46% bracket she had assumed. Her projected surprise tax liability for April 2027: $4,800 above her internal estimate.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Pension gap from early departure\u003C\u002Fstrong>: Dominique's defined benefit plan would have paid $1,940 per month at age 65 had she stayed to year 20. Leaving at year 16 reduced her projected pension to $1,470 per month — a difference of $470 per month, or approximately $112,800 in lifetime income over a 20-year retirement horizon.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Benefits coverage gap cost\u003C\u002Fstrong>: With a standard 90-day waiting period at her new employer and no individual bridge policy purchased, Dominique's family prescription and dental costs during the gap came to $3,100. She had not budgeted this amount because she had not known the gap existed.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>\u003Cstrong>If Dominique had structured her severance across two tax years\u003C\u002Fstrong>, negotiated a group RRSP matching contribution in her new contract, and purchased a 90-day individual health bridge policy before her previous coverage lapsed, her combined first-year financial exposure would have dropped by an estimated $9,000 to $12,000. The planning conversation required two 90-minute meetings. The savings compounded across every subsequent year.\u003C\u002Fp>\n\u003Ch2 id=\"four-steps-to-take-before-you-sign-anything\">Four Steps to Take Before You Sign Anything\u003C\u002Fh2>\n\u003Cp>Gino Chouinard's return to daily broadcasting — a credible new platform, a strong afternoon audience, a clean public announcement — reads as a well-managed transition. Behind that public story, the financial mechanics of departure and re-entry were resolved in conversations most people never see. A wealth advisor brings those conversations to you before the pressure of a deadline forces the issue.\u003C\u002Fp>\n\u003Cp>Four actions should happen before you accept a departure package or a new offer:\u003C\u002Fp>\n\u003Cp>\u003Cstrong>1. Request your pension projection in writing before your last day.\u003C\u002Fstrong> Ask HR for a statement showing your projected pension if you leave today, in 12 months, and at the earliest full-vesting date. The figures are often decisive in negotiating a longer exit timeline or a lump-sum bridge payment.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>2. Model the severance against your full 2026 taxable income.\u003C\u002Fstrong> Your package is not taxed in isolation — it stacks on top of whatever salary you already earned in the calendar year. Run the numbers with a tax advisor to determine whether deferring any portion to January is structurally possible and whether your RRSP contribution room can absorb a lump-sum transfer under CRA's retiring allowance rules.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>3. Confirm the scope of your non-compete clause in writing before signing your release.\u003C\u002Fstrong> Talent contracts in competitive industries frequently include 6-to-12-month non-solicitation or non-compete provisions. Know which sectors and geographic areas are restricted, confirm the effective dates, and get written acknowledgement. Breaching a non-compete can trigger damages claims that exceed the severance you received.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>4. Price and purchase bridge health coverage within 60 days of your group plan ending.\u003C\u002Fstrong> Individual health policies in Canada can be issued without full medical underwriting if applied for within the conversion window — typically 60 days from the group plan termination date. After that window closes, pre-existing conditions may be excluded or rated. Act before you need the coverage, not after.\u003C\u002Fp>\n\u003Cp>Chouinard's pivot to 98.5 FM is, by any measure, a strong second chapter. But the value of his story for working Canadians lies less in the outcome than in the questions it surfaces: how long can your financial structure hold during a transition period, what does severance actually cost you after tax, and who is modeling those numbers before you sign? A wealth advisor can answer all three before your last day arrives.\u003C\u002Fp>\n\u003Cp>\u003Cem>This article is for informational purposes only and does not constitute financial, tax, or legal advice. Consult a licensed financial advisor or tax professional before making decisions related to career transitions, severance packages, or retirement planning.\u003C\u002Fem>\u003C\u002Fp>\n",{},[]]