Thank you, Mr. Chair, and thank you to our witnesses.
We have some of the best experts here today. I met with all of you, actually, in our first process of consultation. So thank you once again for coming. I'm sure you will all admit that it is a very complex issue. I'm happy that the finance department is taking a non-partisan view to discussing this, and in light of that, Mr. McCallum suggesting that we should just fix it right now....
In fact, Mr. Benoit said there's lots of study needed. Mr. Charbonneau, you said, to quote you, “Let's look into it.”
I think you all would recognize and affirm that there's no quick fix for this, or it would have been fixed a long time ago. So we do appreciate those comments.
To that, Mr. Lefebvre, I just want to read something from the Mintz report, which I'm sure most of you have read:
...a more thorough analysis of subgroups that appear not to be saving enough, differentiated by family type and income level, and based on a comprehensive analysis of all forms of savings, including the role of assets outside the retirement income system, (e.g., housing equity) in financing retirement consumption;
Your members advise on estate planning, retirement planning. Can you reflect on that, on what your members are telling you about different ways...?