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When Should You Set Up A Holding Company?
Business owners, landlords, and investors often consider various structures to optimize their financial and tax situation. One popular strategy is the establishment of a holding company or holdco. Understanding Holding Companies A holding company is a type of business...
2024 Federal Budget Amendments that Impact CPP Benefits
The 2024 federal budget has introduced several changes to the Canada Pension Plan (CPP) benefits that affects the Death Benefit, Disabled Contributor’s Child Benefit, and Survivor’s Pension. These amendments increase support to families and individuals impacted by the...
5 reasons why TFSAs aren’t always the best fit for everyone
The article "5 reasons why TFSAs aren't always the best fit for everyone" was originally published in Financial Post June 10, 2024, by Jason Heath Jason Heath: They could end up costing you if you have debt or RRSP contribution room Tax-free savings...
FP Answers: Should I hold onto my capital losses until death to leave a larger inheritance?
The article “FP Answers: Should I hold onto my capital losses until death to leave a larger inheritance?” was originally published in Financial Post on June 7, 2024. By Julie Cazzin with Andrew Dobson. Proposed capital gains tax hike later this month presents more...
Intervivos Gifts – How to Gift When Estate Planning
What is Estate Planning? Estate planning is the process of arranging for the management and transfer of a person's estate during their life and after their death. The “estate” is the term for everything owned by a person and is usually used to define those assets...
FP Answers: Should I pay myself dividends from my company to avoid CPP premiums?
The article “FP Answers: Should I pay myself dividends from my company to avoid CPP premiums?” was originally published in Financial Post on May 17, 2024. By Julie Cazzin with Andrew Dobson. Passing on the premiums might save money today but cost you retirement income...
Why your retirement may be different than you expected
The article "Why your retirement may be different than you expected" was originally published in Financial Post May 6, 2024, by Jason Heath Jason Heath: There is no surefire formula for planning for retirement, so expect the unexpected Most discussions...
How much is capital gains tax in Canada?—and other reader questions answered
The article "How much is capital gains tax in Canada?—and other reader questions answered" was originally published in MoneySense on May 6, 2024. Last month’s federal budget introduced changes to capital gains tax in Canada. This has raised many questions about who is...
Should you max out your RRSP before converting it to a RRIF?
The article "Should you max out your RRSP before converting it to a RRIF?" was originally published in MoneySense on April 29, 2024. Here’s what to consider before converting an RRSP to a RRIF. Ask MoneySense My husband and I retired last September. We have...
Should I delay my CPP if I’m not contributing to it?
The article “Should I delay my CPP if I’m not contributing to it?” was originally published in MoneySense on April 22, 2024. You can still benefit from deferring Canada Pension Plan payments with less than maximum contributions. Ask MoneySense Do all the advice...
Are Home Renovations Tax Deductible In Canada?
The article "Are home renovations tax deductible in Canada?" was originally published in MoneySense on September 12, 2023, REPOSTED April 12, 2024. Doing home renovations? Find out if there are any tax incentives that Canadians are able to claim. "We are upgrading our...
FP Answers: What are the tax consequences of selling a small business to my son?
The article "FP Answers: What are the tax consequences of selling a small business to my son?" was originally published in Financial Post on April 12, 2024. By Julie Cazzin with Andrew Dobson. Get the value appraised before you do anything. Q: I want to sell our...
6 Steps to Financial Decluttering
Overwhelmed by the number of bills and credit card statements piling up on your desk? Not finding the time to review the performance of your investments? Missed a bill payment, got charged NSF, or misplaced your financial documents? You are not alone. Nearly one in...
How to change a past tax return
The article "How to change a past tax return" was originally published in MoneySense on April 8, 2024. You can amend previous tax returns to include new information, such as investment management fees for a non-registered account. Here’s how. Ask MoneySense I...
Should you buy life insurance to pay for tax owed upon death?
The article "Should you buy life insurance to pay for tax owed upon death?" was originally published in MoneySense on April 1, 2024. When you die, capital gains tax might apply to some of your assets. Can life insurance help shelter your beneficiaries from taxes owed?...
Should you claim your common-law partner on your taxes?
The article "Should you claim your common-law partner on your taxes?" was originally published in MoneySense on March 25, 2024. Changing your status to common-law has an impact on your tax return and government benefits. Here’s how to know when you should take that...
Planning For Retirement With Little Or No Savings To Draw On
The article “Planning for retirement with little or no savings to draw on" was originally published in MoneySense on October 26, 2022. Photo created by pressfoto - www.freepik.com. Financial planning advice is often catered to wealthier Canadians. What can retirement...
What will your income be in retirement? The answer goes well beyond investment returns
The article "What will your income be in retirement?" The answer goes well beyond investment returns" was originally published in Financial Post on March 11, 2024. You may have more money coming in than you think. Jason Heath lists the potential sources. The financial...
5 Financial Essentials for Women
Author’s note: Life can feel incredibly expensive. This article is written by a financial planner, so there is some bias – I’m likely to recommend strategies that apply to women in general to manage financial risk. However, it's important to recognize that the...
RRIF and LIF withdrawal rates: Everything you need to know
The article "RRIF and LIF withdrawal rates: Everything you need to know" was originally published in MoneySense on March 6, 2024. Most registered retirement savings plans are eventually converted to registered retirement income funds. Here’s what to know about RRIF...
The Ins and Outs (and Pitfalls) Of Borrowing From Your Own Company
The article "The ins and outs (and pitfalls) of borrowing from your own company" was originally published in Canadian Family Offices originally published Published Jun 14, 2021 • Last updated Mar 04, 2024. How to extract money from your corporation while avoiding...
Real-life cases show benefits of ‘quarterback’ planning for business owners
The article "Real-life cases show benefits of ‘quarterback’ planning for business owners" was originally published in Canadian Family Offices on March 4, 2024. These individuals are prone to suffer financially when well-intended advice comes solely from siloed...
FP Answers: Should I convert my mother’s stock investments to low-fee ETFs?
The article “FP Answers: Should I convert my mother's stock investments to low-fee ETFs?” was originally published in Financial Post on March 1, 2024. By Julie Cazzin with Andrew Dobson. Options are plentiful, but just remember that do-it-yourself investing can be...
What is the difference between a Financial Planner and a Financial Coach?
What is the difference between a Financial Planner and a Financial Coach? When it comes to managing your finances, individuals often seek guidance from financial professionals. Identifying the right professional can be difficult when the industry itself uses multiple...
How to qualify for EI benefits in retirement in Canada
The article "How to qualify for EI benefits in retirement in Canada" was originally published in MoneySense on February 19, 2024. Just because you paid loads into a program doesn't mean you'll get EI benefits when you retire Ask MoneySense I’m a 75-year-old male,...
FP Answers: What are better ways for my 15-year-old son to invest than risky crypto and tech?
The article "FP Answers: What are better ways for my 15-year-old son to invest than risky crypto and tech?" was originally published in Financial Post on February 9, 2024. By Julie Cazzin with Andrew Dobson. Investing as a young person a lot different than it is for...
Retirement math you need to know, from how long you’ll live to deferring CPP
The article "Retirement math you need to know, from how long you'll live to deferring CPP" was originally published in Financial Post February 5, 2024, by Jason Heath. Jason Heath: Go beyond how much you need to save with this surprising math. It is important to know...
FP Answers: Is it wise to invest some savings in gold? If so, what’s the best way?
The article "FP Answers: Is it wise to invest some savings in gold? If so, what’s the best way?" was originally published in Financial Post on December 15, 2023. By Julie Cazzin with Andrew Dobson. Gold should be used mainly as a hedge as opposed to a primary asset...
FP Answers: How do I figure out my combined marginal tax rate so I can make good financial decisions?
The article "FP Answers: How do I figure out my combined marginal tax rate so I can make good financial decisions?" was originally published in Financial Post on December 15, 2023. By Julie Cazzin with Andrew Dobson. Marginal tax rate is important to know because it...
The Difficult Upbringing That Kept This Advisor From Buying A Home Until Age 55
In this new series, Behind the Advice, we ask advisors about their relationship with money from a young age, lessons learned over the years, and how their experiences influence the advice they give clients today. Brenda Hiscock, certified financial planner at...
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