Here is a collection of articles we have published so you can stay informed!

Picking Survivor and Guarantee Options

The article "Picking Survivor and Guarantee Options" was originally published on September 27, 2016 on MoneySense. Pension elections can be daunting. Here’s what to consider. Q: I am considering retiring early from a job that entitles me to a pension. There are many...

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Rent Or Sell My Parent’s House?

The article "Rent Or Sell My Parent’s House?" was originally published on September 20, 2016 on MoneySense. If it would sell for less than $200K, it might be a decent investment property Q: My 91-year old father just moved into assisted living. His townhouse is in my...

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Juggling Multiple RRSPs

The article "Juggling Multiple RRSPs" was originally published on September 13, 2016 on MoneySense. Jay has plenty of retirement savings options. Here’s how he can use them wisely. Q: I am turning 30 this year. I am married and I have one kid with plans for another in...

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The Best Way To Fund Your Retirement

The article "The Best Way To Fund Your Retirement" was originally published on September 9, 2016 on MoneySense. Should Julie cash in shares or draw down on her RRSP? Q: I am 66 and retired with no defined benefit pension – just CPP and OAS. I do have RRSPs, both in...

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Five Stupid Things We Do With Our Money

The article "Five Stupid Things We Do With Our Money" was originally published by Geoffrey Vendeville on August 30, 2016 on Toronto Star Touch. Most of us want to be smarter with our cash, so here are a few common financial mistakes to avoid. A recent poll for Interac...

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Retirement Planning In A Second Marriage

The article "Retirement Planning In A Second Marriage" was originally published on MoneySense on August 30, 2016. Tina wants to know how to invest the proceeds from going from two homes to one with her fiance Q: My fiancé and I are both in our mid-50s and own a new...

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Contribute To RRSP Or Pay Off Mortgage?

The article "Contribute To RRSP Or Pay Off Mortgage?" was originally published on MoneySense on August 23, 2016. Linda isn’t sure if her $25,000 should go towards debt or investments Q: We have a small mortgage, only $80,000. Coming up for renewal at 2.35% for a...

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Should You Buy or Rent in Retirement?

The article "Should You Buy or Rent in Retirement?" was originally published on MoneySense on August 16, 2016. Cathy is torn between owning a home or continuing to rent Q: I’m 57 and hoping to retire this fall. I will receive an OMERS defined benefit pension of...

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Can Dividend Stocks Replace Bonds?

The article "Can Dividend Stocks Replace Bonds?" was originally published on MoneySense on August 9, 2016. It sounds good in theory, but it may not be the best strategy in practice Q: I’m wondering if in this low-rate environment, a dividend equity ETF (an ETF in...

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Phoenix Pay System Shows Need for Emergency Fund

The article "Phoenix Pay System Shows Need for Emergency Fund" was originally published on MoneySense on August 2, 2016. Less than half of Canadians have more than $10K saved for a rainy day In an effort to replace people with machines, the federal government recently...

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So, Your Child Is Going To Inherit Millions

The article "So, Your Child Is Going To Inherit Millions" was originally published on MoneySense on July 26, 2016. What can Brian do to make sure the right people are there to guide his daughter? Q: We have an only child who just finished university and is starting a...

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Should I Trust My Advisor Or Accountant?

The article "Should I Trust My Advisor Or Accountant?" was originally published on MoneySense on July 19, 2016. Here’s what to consider when faced with conflicting advice. Q: We seem to be in a financial dilemma. Different perspectives on RRSPs at a time when my...

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Where Do I Pay Probate Fees?

The article "Where Do I Pay Probate Fees?" was originally published on MoneySense on July 5, 2016. Len’s will was prepared in Quebec, where most of his assets are located. Now he lives in Ontario. How will probate work? Q: My notarized will was drawn up and registered...

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RESP Investing For Your Teenager

The article "RESP Investing For Your Teenager" was originally published in MoneySense on June 28, 2016. Karl is wondering if he made a mistake buying a corporate bond ETF for his teen’s education savings. Q: My daughter is going off to university in 4 years. Half of...

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Tax Troubles When Moving To The U.S.

The article "Tax Troubles When Moving To The U.S." was originally published on MoneySense on June 14, 2016. Rajesh and his wife are moving to the U.S. What are the tax implications of their rental property in Canada and their TFSAs? Q: My wife moved to the U.S. for...

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Do I Qualify For The Pension Tax Credit?

The eligibility for the credit is based on your age, sources of income and tax payable The article "Do I Qualify For The Pension Tax Credit?" was originally published on MoneySense on May 31, 2016. Q: This is a question about the $2,000 pension income tax credit. If I...

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What To Do With Your Extra Cash

A high-interest savings account is great, but if you’re willing to stray from the safety net, there are potentially more lucrative options The article "What To Do With Your Extra Cash" was originally published on MoneySense on May 24, 2016. Q: I am turning 30 this...

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Finding Your Financial Footing

After the death of her spouse and having left her job due to her health, Georgia is left wondering—what’s next? The article "Finding Your Financial Footing" was originally published on MoneySense on May 17, 016. Q: A little over 3 years ago, I became a widow very...

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Who Should Bother With An RRSP? Part 2

The article "Who Should Bother with an RRSP? Part 2" was originally published on Financial Pipeline by Malcolm Morrison. Registered Retirement Savings Plans are the best tax break available for the average Canadian for one simple reason – they give the saver the...

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Joint Tenancy vs. Tenants In Common

You can jointly own assets in two ways. Remember, each has different estate planning and tax implications The article "Joint Tenancy vs. Tenants In Common" was originally published on MoneySense on May 10 2016. Q: What is the difference between “joint tenancy” and...

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Who Should Bother With An RRSP? Part 1

The article "Who Should Bother With An RRSP?" was originally published on Financial Pipeline by Malcolm Morrison. Registered Retirement Savings Plans are the best tax break available for the average Canadian for one simple reason – they give the saver the opportunity...

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How To Boost Your Retirement Income

Patricia is trying to figure out how best to maximize her retirement income with the least amount of tax payable The article "How To Boost Your Retirement Income" was originally published on MoneySense on May 3rd, 2016. Q: My husband and I are retired and turning 63...

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Recovering From Bad Home Buyers’ Plan Advice

The article "Recovering From Bad Home Buyers’ Plan Advice" was originally published on MoneySense on April 28, 2016. Scott got incorrect tax advice and now he’s trying to figure out the best way to fix things on his tax return Q: I am totally disappointed with my...

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Capital Gains When Selling Property To Family

The article "Capital Gains When Selling Property To Family" was originally published on MoneySense on April 19, 2016. Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax? Q: Do I have to pay income tax if I inherited a property...

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Should I Have Life Insurance In Retirement?

The article "Should I Have Life Insurance In Retirement?" was originally published on MoneySense on April 12, 016. George isn’t sure if his $100 monthly insurance premiums are better off in a savings account Q: I am 59 and mostly retired. My wife and I both have life...

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How To Pay Less Tax On Your RRSP Withdrawals

The article "How To Pay Less Tax On Your RRSP Withdrawals" was originally published on MoneySense on April 5, 2016. Shaune is looking for tax-efficient ways to draw down on his and his wife’s RRSPs in retirement. What should he do? Q: My wife has two RRSP accounts in...

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Low-Cost Mutual Funds or Robo-Advisor?

The article "Low-Cost Mutual Funds or Robo-Advisor?" was originally published on MoneySense on March 29, 2016. If investing were all about the fees, online advisors would win hands down Q: Thanks to this website, I learned how to read a prospectus and discovered the...

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RRIF or Annuity: Which One Is Right For You?

The article "RRIF or Annuity: Which One Is Right For You?" was originally published on MoneySense on March 22, 2016. Igor is turning 71 and has a choice to make. Here are the pros and cons of each. Q: What are cons and pros of selecting an annuity versus RRIF? I will...

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Be Wary of Private Capital Markets

The article "Be Wary of Private Capital Markets" was originally published on MoneySense on March 18, 2016. Average investors now have options previously restricted to the rich - with all the risks When Ontario joined other provinces with a move to loosen restrictions...

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Should You Ever Use An RRSP To Pay Tuition Fees?

The article "Should You Ever Use An RRSP To Pay Tuition Fees?" was originally published on MoneySense on March 15, 2016. David is juggling debt and cash flow obligations and wonders how best to reduce their housing costs and cover his children’s education Q: I am a...

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Pay Down The Mortgage or Invest?

The article "Pay Down The Mortgage or Invest?" was originally published on MoneySense on March 8, 2016. Liam has a house that he’s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow? Q: I’m 21 and I’m currently...

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CPP Pension Splitting After a Divorce

The article "CPP Pension Splitting After a Divorce" was originally published on MoneySense on March 3, 2016. Contributions you made while living with your former spouse are eligible for a split, leading to a pension boost Q: I am currently separated and I would also...

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Tax Deductible Expenses When Selling a Cottage

The article "Tax Deductible Expenses When Selling a Cottage" was originally published on MoneySense on March 1, 2016. Minimize capital gains taxes by making smart reno choices Q: We are planning to sell the cottage in the next year or so and I would like to know what...

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CPP Pension Splitting After A Divorce

The article "CPP Pension Splitting After A Divorce" was originally published on MoneySense on February 23, 2016. You have 36 months to notify Service Canada about your intention to split CPP credits after a divorce Q: I am currently separated and I would also like to...

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How CPP Payouts Work When You Already Have A Pension

The article "How CPP Payouts Work When You Already Have A Pension" was originally published on MoneySense on February 16, 2016. Giselle is worried about how her CPP may be affected when she starts to receive her pension and withdraw from her RRSP Q: I am still working...

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Why Business Owners Shouldn’t Bother With An RRSP

The article "Why Business Owners Shouldn’t Bother With An RRSP" was originally published on The Financial Post on February 9, 2016. Although RRSPs are the most popular choice for Canadians and their retirement savings, they may not be the best choice — especially for...

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Using A TFSA To Finance A Rental Property

The article "Using A TFSA To Finance A Rental Property" was originally published on MoneySense on February 9, 2016. Should Debra cash in her TFSA to buy a cottage or use the money for renovations? Q: My husband and I are both 60 years old and working full time. We’ve...

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Managing Assets Under Power of Attorney

The article "Managing Assets Under Power of Attorney" was originally published on MoneySense on February 2, 2016. Watch out for tax implications and keep attribution in mind Q: My mother purchased a mutual fund in 1974. In 1994, my mother put my name on it so it could...

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How To Use Your RRSP To Invest In Real Estate

The article "How To Use Your RRSP To Invest In Real Estate" was originally published on The Financial Post on January 27, 2016. As the Canadian real estate market continues to rise, some investors want to put their RRSP money to work in a real estate investment. While...

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Should You Invest or Pay Down Debt?

The article "Should You Invest or Pay Down Debt?" was originally published on MoneySense on January 26, 2016. Here’s what investors nearing retirement should consider Q: I have the following debt: Mortgage – $60,000 @ 2.5% variable rate Line of credit – $20,000 @ 5.7%...

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