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

When To Load Up On Defensive Stocks

The article "When To Load Up On Defensive Stocks" was originally published on MoneySense on December 28, 2017. Timing the market is difficult; instead, focus on your own asset allocation and risk tolerance Q: Is it reasonable or practical to shift to defensive stocks...

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Do I Need To Retire My Debt, Before I Retire Myself?

The article "Do I Need To Retire My Debt, Before I Retire Myself?" was originally published in MoneySense on December 21, 2017. It might make more sense to pay off debt later Q: So, I’m retiring (single male 65) with $850,000 total in RRSPs and a DCP where I currently...

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How Can I Use My Extra RRSP Room When I Retire?

The article "How Can I Use My Extra RRSP Room When I Retire?" was originally published in MoneySense on December 13, 2017. You can’t use up next year’s room this year, but there are ways to put that room to work Q: In 2019, I will retire. I will contribute $26,000 to...

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Is An RRSP Worth It If You’re Retiring Abroad?

The article "Is An RRSP Worth It If You’re Retiring Abroad?" was originally published on MoneySense on December 5, 2017. It makes sense from a tax perspective but might make investing a hassle Q: I am a permanent resident living in Canada. Is it worth me investing in...

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When Using RRSP Money For Debt Is A Bad Idea

The article "When Using RRSP Money For Debt Is A Bad Idea" was originally published on MoneySense on December 2, 2017. You may have to withdraw twice the amount you owe Q: My wife and I currently have a mortgage of $297,000. On top of that we’ve had to dip into our...

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How To Evaluate Your Group Savings Plan At Work

The original article "How To Evaluate Your Group Savings Plan At Work" was originally published on MoneySense on November 28, 2017. Is Renee paying too much for her investments? Q. I have been registered with an insurance company through my employer since 2001. At the...

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Owning Canadian Stocks As A U.S. Resident

The article "Owning Canadian Stocks As A U.S. Resident" was originally published on Moneysense on November 14, 2017. What are the capital gains consequences? Q: I live in the USA but still have some stocks in a Canada brokerage. If I should sell them what is the...

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LIRA Regrets

The article "LIRA Regrets" was originally published on MoneySense on November 14, 2017. This woman’s husband transferred his workplace pension to a high-fee LIRA and is looking for a smarter solution Q: My husband worked for a municipality and when he left we...

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How To Choose The Right Insurance

The article "How To Choose The Right Insurance" was originally published on MoneySense on October 31, 2017. Tara isn’t sure if mortgage, life or disability insurance is the right way to go for her and her husband. Q: My husband is 57 and I am 45. I am currently a stay...

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REIT Investing: The Risks of Chasing Returns

The article "REIT Investing: The Risks of Chasing Returns" was originally published on MoneySense on October 24, 2017. This reader is happy with his real estate returns but not with his other equities. Should he transfer to REITs? Not so fast. Q: My wife and I are...

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Planning Through Salary Swings

The article "Planning Through Salary Swings" was originally published on MoneySense on October 18, 2017. How to best plan given uncertain income Q: My income fluctuates quite widely from year to year. How do I plan for this and how do I handle the tax implications of...

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RRSP Withdrawals In Your 40’s

The article "RRSP Withdrawals In Your 40's" was originally published on MoneySense on October 3, 2017. Converting to a RRIF might be more trouble than it’s worth Q: I’m a federal government employee and was thinking about take some time and using my RRSPs to live on...

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What Taxes Do My LIRA Beneficiaries Have To Pay?

The article "What Taxes Do My LIRA Beneficiaries Have To Pay?" was originally published on MoneySense on September 19, 2017. Be aware of tax bills Q: Is the tax rate on a LIRA the same as the RRIF if I die and the beneficiaries are my children? —Brian A: First, Brian,...

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Risky Robos

The article "Risky Robos" was originally published on MoneySense on Septembe 12, 2017. Robo-advisors aren’t dangerous but they aren’t “safe” either Q: My husband needs to set up a RRIF within the next three months. We currently have his RRSP in mutual funds with a...

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Inheriting Cottage Capital Gains

The article "Inheriting Cottage Capital Gains" was originally published on MoneySense on August 29, 2017. Jill’s late husband left her a cottage. What happens if she transfers ownership to her stepchildren? Q: My husband passed away last year and left our family...

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Are Investment Fees Tax Deductible?

The article "Are Investment Fees Tax Deductible?" was originally published on MoneySense on August 22, 2017. Jerry pays a few thousand dollars in monthly fees but they may not be tax deductible Q: I pay a few thousand dollars in monthly fees to the various RRSP funds...

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Capital Loss Tax Deductions From Beyond The Grave

The article "Capital Loss Tax Deductions From Beyond The Grave" was originally published on MoneySense on August 15, 2017. Yvonne’s recently-passed husband had capital losses. Did she maximize the claim on his final tax return? Q: My husband passed away last year and...

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Gifting Your RRIF To Your Children

The article "Gifting Your RRIF To Your Children" was originally published on MoneySense on August 8, 2017. Angie wants to give her RRIF to her children while she’s still alive Q: Can I change my RRIF back to RRSPs or put it all in a savings account? Bottom line is I...

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Should You Do A Pension Buyback?

The article "Should You Do A Pension Buyback?" was originally published on MoneySense on August 1, 2017. It’s almost always a good idea Q: I have been working at a college for 10 years. The last nine were full-time with pension deductions. My first year was contract...

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The Retirement Reshuffle

The article "The Retirement Reshuffle" was originally published on MoneySense on July 25, 2017. How to rearrange investment accounts in your golden years. Q: I am married with a minor son. My wife and I have been successful saving and investing. Presently we have in...

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CPP And OAS After The Death Of A Spouse

The article "CPP And OAS After The Death Of A Spouse" was originally published on MoneySense on July 20, 2017. Keith arranged to split pensions with his late wife many years ago. What is he entitled to now? Q: I am 84 and many years ago my wife and I arranged to...

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Reasons To Tap RRSPs Before Age 71

The article "Reasons To Tap RRSPs Before Age 71" was original published on MoneySense on July 12, 2017. Doing this makes sense for plenty of Canadians. Is it the right option for you? Q: If you are self-employed and have a holding company, does it not make sense to...

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Should You Use RRSPs To Pay Down The Mortgage?

The article "Should You Use RRSPs To Pay Down The Mortgage?" was originally published on MoneySense on July 5, 2017. Careful, the tax hit may be hefty if you tap your RRSP early Q: My husband and I will have good pensions. He is thinking that we should cash out our...

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We don’t sell investments, so we’re not going to tell you which stocks to buy and sell. However, we can build you a comprehensive and truly objective financial plan.

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