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The Globe and Mail Published January 8, 2021 Todd Korol/The Globe and Mail Rose and Brad have enjoyed high-paying professional careers in the oil and gas industry, helping them to amass more wealth than they need for their lifestyle. Together, they earn about $500,000 a year before tax. Brad, 60, likes what he does and plans to keep working to age 70. Rose, faced with the prospect of an alluring buyout package, is tempted to take it even though she’s only 48. She wonders to what extent the income she forgoes will be offset by lower income tax in the years ahead. They have two teenage children, a mortgage-free house in the Calgary area, an investment property and substantial savings. ....