Here is a collection of articles we have published so you can stay informed!
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. Photo by Junior Bastos of Pexels. Jason Heath: Go beyond how much you need to save with this...
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. Photo by by rcphotostock. Gold should be used mainly as a hedge as...
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. Photo by Mikhail Nilov from Pexels. Marginal tax...
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...
Estate Planning with Real Estate in Canada – A Tale of Tax Consequences
For older Canadians considering their estate planning, minimizing probate fees may be a concern. For many Canadians, their biggest asset by far is their principal residence. In some cases, it’s worth over a million dollars. For Ontario residents, whose estate...
Behavioral Finance: Why Your Investing Mindset Matters Just as Much as Your Portfolio Mix
What’s a bigger driver of investment performance – asset allocation or your investing behaviour? Many people likely believe that neither of these is the biggest driver of portfolio performance, but instead that the biggest driver is security selection. There is...
FP Answers: How will cashing in my stock options affect my CPP contributions for the year?
The article "FP Answers: How will cashing in my stock options affect my CPP contributions for the year?" was originally published in Financial Post on October 6, 2023, By Julie Cazzin with Andrew Dobson. Photo by by TonyIaniro from Getty Images. If you are healthy...
6 retirement strategies that don’t get talked about enough
The article "6 retirement strategies that don't get talked about enough" was originally published in Financial Post November 15, 2023, by Jason Heath. Photo by AndreyPopov from Getty Images. Jason Heath: These alternative strategies can help you achieve the best...
Understanding Money Trauma: Navigating Overspending with the Window of Regulation
You could have money trauma. Like all trauma, it’s different for everyone. At the very least, you may have some emotional wounding, cognitive distortions, or negative feelings around money. I’ll explore these themes more deeply in separate articles. Suffice to say for...
Can Lyle, 48, and Tonia, 53, Afford To Trade Their Home For Two Condos?
The article "Can Lyle, 48, and Tonia, 53, afford to trade their home for two condos?" was originally published on the Globe and Mail on October 20th, 2013 by Dianne Maley. Photo by Pavel Danilyuk from Pexels. Before Lyle and Tonia can retire, they have to pay off the...
These tips can help you avoid financial pain amid the emotions of losing a spouse
The article "These tips can help you avoid financial pain amid the emotions of losing a spouse" was originally published in Financial Post October 11, 2023, by Jason Heath. Photo by T Leish from Pexels. Advance planning and avoiding major decisions until after the...
FP Answers: Are segregated funds my best investment choice like my adviser says?
The article "FP Answers: Are segregated funds my best investment choice like my adviser says?" was originally published in Financial Post on October 6, 2023, By Julie Cazzin with Andrew Dobson. Photo by simarik from Getty Images Signature. Funds offer several...
Should You Use Home Equity To Buy A House For Your Kids?
The article "Should you use home equity to buy a house for your kids?" was originally published in MoneySense on October 6, 2023. Photo by najkhetsamtip. Some parents want to help their kids move out by borrowing against their home. Here’s how interest rates and...
FP Answers: What should an investor do if they own a lot of shares in one company?
The article "FP Answers: What should an investor do if they own a lot of shares in one company?" was originally published in Financial Post on May 5, 2023, updated on October 5, 2023. By Julie Cazzin with Andrew Dobson. Photo by by kenneth-cheung from Getty Images...
How To Report U.S. Employment Income In Canada
The article "How to report U.S. employment income in Canada" was originally published in MoneySense on September 25, 2023. Photo by gerenme from Getty Images Signature. Canadian citizens who work in the U.S. have to meet Canadian and U.S. tax filing requirements....
Do You Need Mortgage Life Insurance?
The article "Do you need mortgage life insurance?" was originally published in MoneySense on September 22, 2023. Photo by Mikhail Nilov from Pexels. Mortgage protection can be a good idea, if for instance you have a condition or illness that might make it difficult to...
Who Should Canadians Consult For Debt Advice?
The article "Who should Canadians consult for debt advice?" was originally published in MoneySense on September 18, 2023. Photo by vaeenma from Getty Images. With debt servicing costs up significantly over the past year, many Canadians are struggling and need help....
What To Know About Withholding Tax In Retirement
The article "What to know about withholding tax in retirement" was originally published in MoneySense on September 11, 2023. Photo by Andrii Dodonov from Getty Images. Most retirees have taxes owing at the end of the year. Should you adjust the withholding tax on your...
Are Vanguard Canada ETFs and Other Funds Always A Good Investment?
The article "Are Vanguard Canada ETFs and other funds always a good investment?" was originally published in MoneySense on September 6, 2023. Photo by Markus Winkler from Pexels. Here’s how you can access Vanguard ETFs in Canada and some pros and cons of ETFs to...
What To Do When You Have Insufficient Or Unused RESP Funds
The article "What to do when you have insufficient or unused RESP funds" was originally published in MoneySense on August 14, 2023, reposted September 1, 2023. Photo by by AnthonyRosenberg from Getty Images Signature. RESPs often fall short of funding a child’s full...
Why Inflation-linked Bonds Aren’t Always The Answer To High Inflation
The article "Why inflation-linked bonds aren’t always the answer to high inflation" was originally published in MoneySense on August 28, 2023. Photo by Andrii Yalanskyi from Getty Images. Inflation-linked bonds can decline in a high-inflation year. Here’s how...
Should You Pay Off Student Debt Before Investing?
The article "Should you pay off student debt before investing?" was originally published in MoneySense on August 22, 2023, reposted September 1st, 2023. Photo by MonthiraYodtiwong from Getty Images. If you want to start investing but you’ve got a Canada Student Loan...
FP Answers: What’s the best strategy for making good use of my CPP, Old Age Security and RRSP money?
The article "FP Answers: What’s the best strategy for making good use of my CPP, Old Age Security and RRSP money?" was originally published in Financial Post on August 18, 2023, Last updated October 5, 2024. By Julie Cazzin with Andrew Dobson. Photo by Kampus...
Why Couples Should Consider Co-Mingling Their Finances
The article "Why couples should consider co-mingling their finances" was originally published in Financial Post on August 15, 2023. Photo by RDNE Stock project from Pexels. Research shows that couples who merge their money are more likely to be happy and successful...
A Company I Hold Stock In Was Acquired Or Merged—Do Capital Gains Apply?
The article "A company I hold stock in was acquired or merged—do capital gains apply?" was originally published in MoneySense on August 8, 2023. Photo by by Daniel Balakov from Getty Images Signature. Shareholders cannot always prevent a company sale or merger from...
Can You Trust AI With Financial Advice?
The article "Can you trust AI with financial advice?" was originally published in MoneySense on July 31, 2023. Photo by Tara Winstead from Pexels. Advancements in artificial intelligence have begun to accelerate and are a hot investing topic in 2023. Can AI give...
FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?
The article "FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?" was originally published in Financial Post on July 28, 2023, Last updated Jan 10, 2024. By Julie Cazzin with Andrew Dobson. Photo by DangerJacobs from Getty Images. You may...
When Your Child Moves Into Your Rental Property: Capital Gains And How To Claim Principal Residence Exemption
The article "When your child moves into your rental property: Capital gains and how to claim principal residence exemption" was originally published in MoneySense on July 24, 2023. Photo by by DAPA Images. When an adult child moves into their parents’ rental property,...
How to develop a retirement plan
No matter how many years until you plan to retire, there is a benefit to retirement planning to determine your long-term financial trajectory. A retirement plan can help you assess how much you should be saving each month in order to stay on track, and how much you...
How Annuities Work In Canada
The article "How annuities work in Canada" was originally published in MoneySense on July 17, 2023, reposted April 18, 2024. Photo by Kampus Production from Pexels. Annuities have faced headwinds over the past 40 years. But as interest rates climb and baby boomers...
How To Claim A Child’s Income Below The Basic Personal Amount
The article "How to claim a child’s income below the basic personal amount" was originally published in MoneySense on July 10, 2023. Photo by evgenyatamanenko from Getty Images. Even if a child’s earnings are exempt from income tax, they may be entitled to tax credits...
Fee Only Financial Planning: The Benefits of Transparency and Personalization
Navigating your finances can be an arduous journey. From monthly budgeting to retirement savings, making informed decisions can be tricky. Fee only financial planning provides objective, impartial advice that can assist in making wise choices about how best to maximize your cash flow for the future.
RRIF withdrawal rules for retirees need to be updated
The article "RRIF withdrawal rules for retirees need to be updated" was originally published in Financial Post July 5, 2023, by Jason Heath. Photo by Yan Krukau from Pexels. Retirees should beware of using the RRIF conversion age or the minimum withdrawal schedule as...
Should You Include Your Pension In Your Net Worth?
The article "Should you include your pension in your net worth?" was originally published in MoneySense on July 4, 2023. Photo by Kampus Production from Pexels. Whether to include a pension in your net worth statement is up for debate. If you choose to do so, know...
4 Strategies For Income Splitting With A Lower-Income Spouse
The article "4 strategies for income splitting with a lower-income spouse" was originally published in MoneySense on June 26, 2023. Photo by Nataliya Vaitkevich from Pexels. If one spouse does not work, is it beneficial for the other to invest and buy stocks in their...
Should You Transfer Your DC Pension Plan To A Discount Brokerage?
The article "Should you transfer your DC pension plan to a discount brokerage?" was originally published in MoneySense on June 26, 2023. Photo by Ono Kosuki from Pexels. "I have been with the same employer for nearly 20 years and have participated in the company’s DC...
What To Do When You Overcontribute To Your RRSP
The article "What to do when you overcontribute to your RRSP" was originally published in MoneySense on June 19, 2023. Photo by Ono Kosuki from Pexels. If you’ve accidentally overcontributed to your RRSP, you’ll pay a tax penalty. Here are your options for promptly...
What Expenses Can You Deduct When Renovating A Rental Property?
The article "What expenses can you deduct when renovating a rental property?" was originally published in MoneySense on June 13, 2023. Photo by Andrea Piacquadio from Pexels. The purpose of the renovations, as well as the occupancy of the building, can influence...
Should You Accelerate Your Mortgage Payments—Or Invest?
The article "Should you accelerate your mortgage payments—or invest?" was originally published in MoneySense on June 12, 2023. Photo by Blue Bird from Pexels. Chantal wants to pay down debt, invest and buy a property down south but isn't sure which to prioritize. "My...
FP Answers: Can opening a joint investment account with my teenager reduce my taxes?
The article "FP Answers: Can opening a joint investment account with my teenager reduce my taxes?" was originally published in Financial Post on June 9, 2023, By Julie Cazzin with Andrew Dobson. Photo by Joslyn Pickens from Pexels. Putting investments in his name just...
What To Do With U.S. Dollar RRSPs In Retirement
The article "What to do with U.S. dollar RRSPs in retirement" was originally published in MoneySense on June 5, 2023. Photo by Gustavo Fring from Pexels. If you already have a Canadian dollar RRIF, should you roll the U.S. dollar RRSP into the RRIF, or open a U.S....
Determining Your Financial Independence Number and Sustainable Withdrawal Strategy
We're excited to share Build Wealth Canada's podcast episode featuring our own financial planning expert, Jason Heath. In this episode, Jason breaks down the complexities of determining your financial independence number and lays out effective, sustainable withdrawal...
Should This DIY Investor Go All In On This International ETF?
The article "Should this DIY investor go all in on this international ETF?" was originally published in MoneySense on May 29, 2023. Photo by Ketut Subiyanto from Pexels. You can exclusively hold international ETFs in any Canadian account, without paying a penalty. But...
These Are The Biggest Myths In Personal Finance — And They’ll Cost You If Followed Blindly
The article "These are the biggest myths in personal finance — and they'll cost you if followed blindly" was originally published in Financial Post on May 26, 2023. Photo by by Kubra Cavus from Getty Images. Jason Heath: Beware of financial advice that is biased or...
Do Non-Residents Pay Tax On CPP? What If You Live In The U.S.?
The article "Do non-residents pay tax on CPP? What if you live in the U.S.?" was originally published in MoneySense on May 23, 2023. Photo by Mike Jones from Pexels. Withholding tax is generally the only Canadian tax a non-resident pays for their CPP pension, and the...
Should You Transfer Your DC Pension Plan To A Discount Brokerage?
The article "Should you transfer your DC pension plan to a discount brokerage?" was originally published in MoneySense on May 8, 2023. Photo by Ono Kosuki from Pexels. Can you transfer funds out of your registered pension plan (RPP) and invest them yourself to reduce...
FP Answers: What should an investor do if they own a lot of shares in one company?
The article "FP Answers: What should an investor do if they own a lot of shares in one company?" was originally published in Financial Post on May 05, 2023 • Last updated Oct 05, 2023. By Julie Cazzin with Andrew Dobson. Photo by by Marcus Millo from Getty Images....
FP Answers: What should I do if I’ve missed three years of repayments to my RRSP Home Buyers’ Plan?
The article "FP Answers: What should I do if I've missed three years of repayments to my RRSP Home Buyers’ Plan?" was originally published in Financial Post on Published Jan 27, 2023 • Last updated May 03, 2023, by Julie Cazzin and Brenda Hiscock. Photo by by Tony...
Market-Linked GICs: The Pros And Cons For Investors
The article "Market-linked GICs: The pros and cons for investors" was originally published in MoneySense on May 1, 2023. Photo by Andrés Góngora from Pexels. These GICs track the markets, offering low risk and some upside potential to investors. Here’s how to know if...
Are Mutual Fund Fees Tax Deductible?
The article "Are mutual fund fees tax deductible?" was originally published in MoneySense on April 24, 2023. Photo by by Artur from Getty Images. Don’t go claiming a deduction for mutual fund fees on your tax return. Why? Because they’ve already been indirectly...
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