With their mortgage paid, how can Kent and Remy balance charitable gifts and retirement saving?

financial facelift

Kent, 45, and Remy, 50, bring in a family income of $390,000 yearly, with Kent's salary making up more than $300,000.

With their high family income and low housing costs, Kent and Remy have been giving generously to charity, donating about $50,000 a year over the past few years. Now that the mortgage is paid off on their $370,000 Alberta house, they aim to double their largesse.

Kent is 45 years old and Remy is 50. Their combined family income is $390,000 a year, with Kent’s salary alone more than $300,000. When Kent retires in 15 years, he will be entitled to a generous defined-benefit pension – if he continues with the same employer and his salary rises as expected.

Their goal is to give $100,000 a year to charity starting this year, but they want to make the most