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

Timing CPP And OAS With Workplace Pensions

The article "Timing CPP And OAS With Workplace Pensions" was originally published on MoneySense on March 28, 2018. Even if you expect a ‘bridge’ payment from your DB pension, deferring CPP makes sense Q: My husband is retired military and will turn 60 this year. He’s...

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Cutting Down Capital Gains Tax On Real Estate Sales

The article "Cutting Down Capital Gains Tax On Real Estate Sales" was originally published on MoneySense on March 20, 2018. Defer RRSP contributions to mitigate taxes Q: Is there any real estate investment I could invest my capital gains in, without being robbed of...

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When To Watch Out For OAS Clawbacks

The article "When To Watch Out For OAS Clawbacks" was originally published on MoneySense on March 14, 2018. Working in retirement? Beware clawbacks. Q: I have been trying to find out how much extra income a person can earn without having to report the income while...

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RRSP Top-Ups In Retirement Could Cost You

The article "RRSP Top-Ups In Retirement Could Cost You" was originally published on MoneySense on March 7, 2018.   Remember: It’s not worth saving $5,000 of tax today to pay $10,000 of tax tomorrow Q: I retired in May 2009 and was under the impression that I could no...

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Giving Money To Your Grandchildren

The article "Giving Money To Your Grandchildren" was originally published on MoneySense on February 20, 2018. Consider a formal trust, among other options Q: A senior couple would like to transfer shares in individual companies to five different grandchildren. All are...

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How To Start Investing Late In Life

The article "How To Start Investing Late In Life" was originally published on MoneySense on February 11, 2018. It’s never too late to start playing catch-up Q: I am a late bloomer. I finally have an empty nest, but I had low income employment and always lived with my...

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Financial Planning And Mental Illness

The article "Financial Planning And Mental Illness" was originally published on MoneySense on February 7, 2018. Advice for a reader who’s been unable to save due to her chronic mental illness Q: I am 43 with no children or spouse. I have a mental illness that is...

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Become A Millionaire By Investing The Wage Hike?

The article "Become A Millionaire By Investing The Wage Hike?" was originally published on MoneySense on January 23, 2018. It’s hard to invest money when you’re making minimum wage. But you can make the boost add up. Ontario Premier Kathleen Wynne increased the...

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Pension Income Splitting Explained

The article "Pension Income Splitting Explained" was originally published on MoneySense on January 16, 2018. The kind of pension that qualifies, when it makes sense to defer and the tax consequences to watch out for Q: I am 62 years old and I receive a pension from my...

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What Happens To Your Spouse’s TFSA If They Die

The article "What Happens To Your Spouse’s TFSA If They Die" was originally published on MoneySense on January 9, 2018. It depends on whether you’re their beneficiary, a successor holder or neither —Updated Jan. 16, 2018 to clarify TFSA rules for those who live in...

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The Best Way To Transfer RESP Money To An RRSP

The article "The Best Way To Transfer RESP Money To An RRSP" was originally published on MoneySense on January 2, 2018. Transferring in-kind versus cashing out, plus keep in mind penalties due Q: When transferring my unused RESP accumulated income into my RRSP, am I...

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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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