Here is a collection of articles we have published so you can stay informed!
How To Stop Debt Or Pension Payments After Someone Has Died
The article "How to stop debt or pension payments after someone has died" was originally published on MoneySense on May 10, 2021. Jarnail’s son passed away recently, yet his student loan payments continue to be withdrawn. What should his next steps be? The difficult...
Understanding Income Attribution And How To Deal With It At Tax Time
The article "Understanding Income Attribution And How To Deal With It At Tax Time" was originally published on MoneySense on April 5, 2021. Paul and his wife have a non-registered investment account and want to make sure they are...
New Investment Approaches For Risk-Averse Canadians
The article "New Investment Approaches For Risk-Averse Canadians" was originally published on MoneySense on April 28, 2021. Old-school investors may find the capital preservation techniques they have relied on in the past won't work the same in the future. Bonds have...
“Where Do We Pay Income Tax If We Retire Abroad?”
The article "Where Do We Pay Income Tax If We Retire Abroad?" was originally published on MoneySense on April 20, 2021. There are tax implications in both countries if Marianna moves to Mexico full-time. Q. We're thinking about moving to Mexico full-time when we...
How Financially Viable Is Your Rental Property?
The article "How Financially Viable Is Your Rental Property?" was originally published on MoneySense on April 12, 2021. Rental real estate has been a great investment for many Canadians. But how do you assess whether yours is likely to work out? After rising steadily...
Canadian Inheritances Could Hit $1 Trillion Over The Next Decade And Both Bequeathers And Beneficiaries Need To Be Ready
The article "Canadian Inheritances Could Hit $1 Trillion Over The Next Decade And Both Bequeathers And Beneficiaries Need To Be Ready" was originally published on Financial Post on April 8, 2021. Here are some decisions and strategies to consider when it comes to the...
Marriage Or Mortgage: Which Is The Better Investment?
The article "Marriage Or Mortgage: Which Is The Better Investment?" was originally posted on MoneySense on March 29, 2021. Couples are sometimes torn between making their wedding a big celebration and starting their financial life together on the right foot. Weddings...
Maximizing Spousal RRSP Contributions In Your 70s
The article "Maximizing Spousal RRSP Contributions In Your 70s" was originally published on MoneySense on March 22, 2021. Don wants to know exactly when is the cutoff for contributions in his wife's case, and when to convert the savings to a registered retirement...
Should You Always Split Your Pension Income?
The article "Should You Always Split Your Pension Income?" was originally published on MoneySense on March 15, 2021. Narayan wants to know the best ways to save income tax, given the disparity between his income and his wife's. Q. Is it always advantageous to use...
How To Invest Down Payment Funds While Timing The Real Estate Market
The article "How To Invest Down Payment Funds While Timing The Real Estate Market" was originally published on MoneySense on March 8, 2021. Liz sold her home in anticipation of becoming an empty nester, but prices keep rising while she rents and waits to buy again....
These Tax Changes Could Open Up More Options For Real Estate Investors, Homeowners And Renters Of All Ages
The article "These Tax Changes Could Open Up More Options For Real Estate Investors, Homeowners And Renters Of All Ages" was originally published in Financial Post on March 2, 2021. Tax incentives may be more effective than disincentives to benefit the housing market...
Tax Implications Of Building A Laneway Suite
The article "Tax Implications Of Building A Laneway Suite" was originally published on MoneySense on March 1, 2021. Any time a homeowner becomes a landlord, there may be GST/HST and income tax owing—and the amounts can be quite large. Q. I read your “capital gains on...
You May Be Able To Claim These Commonly Overlooked Medical Expenses On Your Tax Return
The article "You May Be Able To Claim These Commonly Overlooked Medical Expenses On Your Tax Return" was originally published on MoneySense on February 23, 2021. Several medical expenses are eligible for a tax credit. Here are a few Canadians should consider at tax...
How Do Mortgage Brokers Get Paid?
The article "How Do Mortgage Brokers Get Paid?" was originally published on MoneySense on February 27, 2021. Adil is about to close on a home purchase and is surprised that his mortgage broker is asking for a cash payment for the broker fee before the funds are...
Financial Planning In Your 70s
The article "Financial Planning In Your 70s" was originally published on MoneySense on February 9, 2021. Be mindful of these money concerns, even after retirement. When most people think about financial planning, they think about saving and investing for retirement....
When Are Tax-Deferred And Tax-Free Accounts Actually Taxable?
The article "When Are Tax-Deferred And Tax-Free Accounts Actually Taxable?" was originally published on MoneySense on February 2, 2021. A new investor, Tawheeda is looking for clarification on the tax payable on U.S. and Canadian stocks in her RRSP and TFSA. Q. I saw...
Life Expectancy Is One Of The Great Unknowns In Retirement Planning, But These Strategies Cover You No Matter What
The article "Life Expectancy Is One Of The Great Unknowns In Retirement Planning, But These Strategies Cover You No Matter What" was originally published on Financial Post on January 27, 2021. Here are some strategies for both a long and short retirement Life...
What To Consider If You Still Have RRSP Contribution Room
The article "What To Consider If You Still Have RRSP Contribution Room" was originally published on MoneySense on January 25, 2021. With just weeks left before the contribution deadline, a Certified Financial Planner rounds up key facts and common RRSP myths....
Capital Gains On Subdivided Land
The article "Capital Gains On Subdivided Land" was originally published on MoneySense on January 18, 2021. Devon was lucky enough to buy a lot that he was able to subdivide, sell some of the land and build a house on the rest. Does he owe tax? Q. Our primary residence...
Financial Priorities For The New Year
The article "Financial Priorities For The New Year" was originally published on MoneySense on January 11, 2021. January is a good time to review your investments, tax and debt management planning. Here's how to get started. The new year is often a time for resolutions...
Here’s What You Need To Know If You Plan To Keep Working Into Retirement
The article "Here's What You Need To Know If You Plan To Keep Working Into Retirement" was originally published on Financial Post on December 21, 2020. There are different ways to keep working, and financial and lifestyle implications to consider The concept of...
Can Life Insurance Be Used As A Fixed Income Investment?
The article "Can Life Insurance Be Used As A Fixed Income Investment?" was originally published on MoneySense on December 21, 2020. Emerging from a serious health scare, Dana wonders if she can use her life insurance to replace the bonds in her investment portfolio....
Halal Investing in Canada
The article "Halal Investing in Canada" was originally published on MoneySense on December 18, 2020. Investing can be challenging for Muslims, as solutions that are both Shariah-compliant and effective at helping achieve long-term financial goals are limited. Canadian...
Ways To “Unlock” Retirement Savings In A LIRA
The article "Ways To “Unlock” Retirement Savings In A LIRA" was originally published on MoneySense on December 7, 2020. Keith wants to know what to do with his DPSP now that it has been transferred to a locked-in retirement account. Q. When I retired at age 63, the...
Unique Ideas For Your Last Will and Testament
The article "Unique Ideas For Your Last Will and Testament" was originally published on MoneySense on November 30, 2020. A straightforward will can work well for many people but, for some, there are clauses to consider that might better convey your wishes. When you...
Managing Tax In A “Tenancy In Common” Situation
The article "Managing Tax In A “Tenancy In Common” Situation" was originally published on MoneySense on November 24th, 2020. Claudia wants to minimize the tax payable when selling her share of a cottage to the co-owner. Q. I am a co-owner of a cottage in Ontario. The...
How Employers Can Boost Employees’ Financial Security Even As Pension And Insurance Benefits Shrink
The article "How Employers Can Boost Employees' Financial Security Even As Pension And Insurance Benefits Shrink" was originally published on Financial Post on November 23, 2020. Companies are in a unique position to help their workers without huge costs if they think...
Financial Literacy For Seniors
The article "Financial Literacy For Seniors" was originally published on MoneySense on November 16, 2020. If one spouse makes most or all the financial decisions, the uninvolved spouse can be left vulnerable. That's one reason seniors, their family and their advisors...
Calculating Expected Returns On The Sale Of Real Estate
The article "Calculating Expected Returns On The Sale Of Real Estate" was originally published on Moneysense on November 10, 2020. Yan is selling his home and wants to know how to price it to ensure he turns a profit. Q. How do I calculate the capital gain on real...
Should You Set Up A Personal Real Estate Corporation (PREC)?
The article "Should You Set Up A Personal Real Estate Corporation (PREC)?" was originally published on MoneySense on November 2, 2020. Ontario recently joined several other provinces by allowing the establishment of personal real estate corporations. What are they,...
How Does Assisted Dying Impact Survivor Pensions?
The article "How Does Assisted Dying Impact Survivor Pensions?" was originally published on MoneySense on October 26, 2020. Content warning: This article contains discussion of assisted dying and suicide, which may be upsetting to some readers. We have turned off...
The Retirement Downsizing Myth: No, Seniors Aren’t Moving In Droves — And That Will Affect The Housing Market
The article "The Retirement Downsizing Myth: No, Seniors Aren't Moving In Droves — And That Will Affect The Housing Market" was originally published on Financial Post on October 20, 2020. Retirement community developers and aspiring young homebuyers may be in for...
Potential Tax Changes Due To COVID-19
The article "Potential Tax Changes Due To COVID-19" was originally published on MoneySense on October 20, 2020. The pandemic has led to a significant amount of spending by the federal and provincial governments. How will the country pay for it all? Speculation is...
Should You Sell Your Home To Your Kids?
The article "Should You Sell Your Home To Your Kids?" was originally published on MoneySense on October 13, 2020. Graham is considering a creative strategy to access his home equity with the help of his grown children. The end goal: to build a vacation property for...
Separation and Divorce: How Do We Split Up Our Investments?
The article "Separation and Divorce: How Do We Split Up Our Investments?" was originally published on MoneySense on October 8, 2020. When a relationship breaks down, there are tax implications arising from the division of investment assets. The end of a relationship...
How Much Debt Is Too Much? How To Figure Out If You’re Taking On More Than You Can Handle
The article "How Much Debt Is Too Much? How To Figure Out If You're Taking On More Than You Can Handle" was originally published on Financial Post on September 29, 2020. The government is racking up debt, but that doesn't mean households should too Following last...
Should You Hold Your Mortgage Inside Your RRSP?
The article "Should You Hold Your Mortgage Inside Your RRSP?" was originally published on MoneySense on September 29, 2020. Yvonne wants to know how she can use her RRSP to reduce the mortgage on her current home, or to help with the purchase of a second property....
Should You Buy Real Estate Through A Corporation?
The article "Should You Buy Real Estate Through A Corporation?" was originally published on MoneySense on September 25, 2020. It can make sense to purchase rental or vacation properties through a corporation, but often it's simpler—and less risky from a tax...
What Does A Fee-Only Financial Planner Do, Exactly?
The article "What Does A Fee-Only Financial Planner Do, Exactly?" was originally published on MoneySense on September 15, 2020. And if they don't sell any financial products, how do fee-only planners get paid? Q. How do you make money, Jason, if you don't sell any...
What A Stock Split Means For Your Portfolio And Tax Situation
The article "What A Stock Split Means For Your Portfolio And Tax Situation" was originally published on MoneySense on September 8, 2020. After recent stock splits for big names like Apple and Tesla, investors may be wondering: What are the tax and investment...
Could Selling A Vacation Property Affect Government Pensions?
The article "Could Selling A Vacation Property Affect Government Pensions?" was originally published on MoneySense on September 1, 2020. Colleen wants to sell her trailer but is worried about the impact on her CPP, OAS and GIS benefits. Q. I was wondering what would...
Retirement Planning Can Be So Complex People Avoid It Altogether. Here’s How To Avoid That Trap.
The article "Retirement Planning Can Be So Complex People Avoid It Altogether. Here's How To Avoid That Trap." was originally published on Financial Post on August 24, 2020. There are ways it can be simplified Saving for retirement can be a daunting task. For some...
Should You Buy A Vacation Property?
The article "Should You Buy A Vacation Property?" was originally published on MoneySense on August 24, 2020. A cottage or other vacation property can provide a great way to unwind and spend time with family. But what are some of the financial implications? The...
Is A Personal Injury Settlement Taxable, And Can It Impact OAS or GIS Benefits?
The article "Is A Personal Injury Settlement Taxable, And Can It Impact OAS or GIS Benefits?" was originally published on MoneySense on August 17, 2020. After receiving a personal injury settlement, J is looking for advice on how it might be taxed, and whether it will...
Severance, Pensions and Unemployment at 65: Should You Apply For A Pension If You Get Laid Off?
The article "Severance, Pensions and Unemployment at 65: Should You Apply For A Pension If You Get Laid Off?" was originally published on MoneySense on August 11, 2020. If you got laid off and are trying to maximize your termination package, pension income and EI...
The Best Ways To Help Kids Financially
The article "The Best Ways To Help Kids Financially" was originally published on MoneySense on August 6, 2020. You don't have to be rich to give children a good start in life. Here are six strategies to use with kids of any age. As a father of three and a financial...
Which Savings Plans Should A 37-Year-Old With A Military Disability Income Contribute To, And When?
The article "Which Savings Plans Should A 37-Year-Old With A Military Disability Income Contribute To, And When?" was originally published on MoneySense on July 28, 2020. Jason and his wife have registered disability savings plans, and want to know how to prioritize...
The Cost Of Socially Responsible Investing
The article "The Cost Of Socially Responsible Investing" was originally published on MoneySense on July 22, 2020. Are there enough options available for Canadians who want to invest according to their values - and do you have to compromise on performance or fees to be...
Five Key Personal Finance Lessons We Should Be Learning From This Crisis
The article "Five Key Personal Finance Lessons We Should Be Learning From This Crisis" was originally published on Financial Post on July 21, 2020. The pandemic has put the financial plans of Canadians to the test and also reminded us why we make such plans to begin...
Understanding The 1994 Capital Gains Tax Election
The article "Understanding The 1994 Capital Gains Tax Election" was originally published on MoneySense on July 15, 2020. Photo by Abby Savage on Unsplash. John was not aware of the $100,000 capital gains exemption that applied until 1994 and wants to know if he can...
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 on MoneySense on July 9, 2020. Financial planning advice is often catered to wealthier Canadians. What can retirement look like for those without healthy RRSPs or other...
Triggering Losses By Transferring Investments To A TFSA
The article "Triggering Losses By Transferring Investments To A TFSA" was originally published on MoneySense on July 2, 2020. Stavros is worried that contributing an investment in kind to his TFSA will trigger the “superficial loss rule.” Q. I just transferred...
What To Consider When Naming Investment Account Beneficiaries
The article "What To Consider When Naming Investment Account Beneficiaries" was originally published on MoneySense on July 24, 2020. Whom you name as your account beneficiary—and whether you name one—can have tax and estate implications. Here's what you need to know....
RESP Advice For Canadian Citizens Living In The U.S.
The article "RESP Advice For Canadian Citizens Living In The U.S." was originally published on MoneySense on June 16, 2020. Sohail has become a non-resident of Canada, but still has a RESP account he is contributing to each month. He wants to know how to maximize his...
Here’s What You Need To Consider Before Taking An Early Retirement Package
The article "Here's What You Need To Consider Before Taking An Early Retirement Package" was original published on Financial Post on June 11, 2020. Four key things to think about before and after signing on the dotted line The pandemic lockdown and resulting...
Borrowing Money To Invest
The article "Borrowing Money To Invest" was originally published on MoneySense on June 10, 2020. Should you open a margin account with your broker, or opt for an RRSP loan? And what are the potential tax benefits and risks? There are different ways to borrow to...
Does A Spouse’s Real Estate Ownership Cancel Out First-Time Homebuyer Qualifications?
The article "Does A Spouse's Real Estate Ownership Cancel Out First-Time Homebuyer Qualifications" was originally published on MoneySense on June 4, 2020. Meredith's husband purchased a condo before they got married. She's never lived in it, and wonders if she can...
What’s Involved In Moving Investments From A High-fee Advisor To A DIY Setup?
The article "What's Involved In Moving Investments From A High-fee Advisor To A DIY Setup?" was originally published on MoneySense on May 27, 2020. Brett is concerned about the fees on his mutual funds and wonders if a fee-for-service advisor can help him and his wife...
Should You Update Your Financial Plan Given Recent Volatility?
The article "Should You Update Your Financial Plan Given Recent Volatility?" was originally published on MoneySense on May 22, 2020. Investors need to expect volatility and plan for it—not only in relation to the COVID-19 pandemic, but always. It's also important to...
The Pros And Cons of a Dividend Reinvestment Plan
The article "The Pros And Cons of a Dividend Reinvestment Plan" was originally published on MoneySense on May 20, 2020. You may decide that it's better to receive dividend distributions in cash, especially if you plan to use them for TFSA contributions, or to help...
Here’s What Kind Of Return You Can Expect From Stock Markets Going Forward
The article "Here's What Kind Of Return You Can Expect From Stock Markets Going Forward" was originally published on Financial Post on May, 19, 2020. These factors will help investors and advisors set appropriate expectations about returns Recent stock...
How To Protect Personal Assets If Your Business Fails
The article "How To Protect Personal Assets If Your Business Fails" was originally published on MoneySense on May 6, 2020. With COVID-19 protective measures crushing her already struggling business, Annette fears losing her home if she's unable to repay...
10 Podcasts To Amp Up Your Investing And Financial Confidence
The article "10 Podcasts To Amp Up Your Investing And Financial Confidence" was originally published on MoneySense on May 3, 2020. These Canadian resources make it easy to bone up on a wide range of money concerns. Q. I'm 30 years old and would like to learn...
“Records Of My Stock Purchase Have Disappeared. What Now?”
The article “Records Of My Stock Purchase Have Disappeared. What Now?” was originally published on MoneySense on April 22, 2020. Tonya bought shares of a small company, which she sold at a loss. She'd like to use that loss to offset some capital gains, but neither the...
Death and Taxes: Estate Settlement Can Cost Money, Time and Relationships
The article "Death and Taxes: Estate Settlement Can Cost Money, Time and Relationships" was originally published on Financial Post on April 21, 2020. A properly crafted estate plan should envision the financial and family implications that can draw out for years to...
Should You Consider Using Joint Accounts To Avoid Probate?
The article "Should You Consider Using Joint Accounts To Avoid Probate?" was originally posted on MoneySense on April 16, 2020. Would listing Laurel as her aging mother's joint account holder simplify management of her mother's affairs if she is no longer able to do...
COVID-19 Financial Support For Working Seniors
The original article "COVID-19 Financial Support For Working Seniors" was published on MoneySense on April 14, 2020. You may still qualify for the federal government's CERB payments, even if you collect CPP and OAS. Q. I am still working, and also receive Canada...
The Basics of Starting Your Own Business
The article "The Basics of Starting Your Own Business" was originally published on MoneySense on April 8, 2020. Looking to earn some money through self-employment or a side hustle? Here's what to know about the setup and tax implications before you get started. With...
Death And Taxes: How To Navigate The Probate Process To Keep Tax Costs In Check
The article "Death And Taxes: How To Navigate The Probate Process To Keep Tax Costs In Check" was originally published on Financial Post on March 24, 2020. There are ways to reduce or avoid probate fees and reasons to try to, but there are some things to take into...
What Should Retirees Do With Their Investments Amid COVID-19?
The article "What Should Retirees Do With Their Investments Amid COVID-19?" was originally published on MoneySense on March 23, 2020. With North American stock markets down more than 30% from their recent highs, Canadians who are retired or close to retirement are...
How To Protect Your Personal Finances Amid The Coronavirus Chaos
The article "How To Protect Your Personal Finances Amid The Coronavirus Chaos" was originally published on Financial Post on March 18, 2020. With more repercussions to come, there are still steps you can take to protect your financial wellbeing. The initial financial...
What You Need To Know About Filing Your 2019 Tax Return
The article "What You Need To Know About Filing Your 2019 Tax Return" was originally published on MoneySense on March 4, 2020. Here is a quick primer on claims to take advantage of, the filing deadlines for employees and self-employed taxpayers, what to watch out for,...
How To Ensure Your Inheritance Goes To Your Children And Not The Taxman
The article "How To Ensure Your Inheritance Goes To Your Children And Not The Taxman" was originally published on Financial Post on March 2, 2020. With a little planning, retirees can reduce their lifetime tax payable and minimize the potential tax payable by their...
Here’s How Much You Should Contribute To Your RRSP For Each Stage Of Your Career
The article "Here's How Much You Should Contribute To Your RRSP For Each Stage Of Your Career" was originally published on Financial Post on February 25, 2020. How much you need to save for retirement depends on a lot of personal factors EARLY CAREER Tax Free...
Planning For The (potential) Costs Of Long-Term Care
The article "Planning For The (potential) Costs Of Long-Term Care" was originally published on MoneySense on February 10, 2020. Insuring against a potential expense that could range from nothing to hundreds of thousands of dollars, and could happen at any time during...
Do You Have Too Many Shares In One Company?
The article "Do You Have Too Many Shares In One Company?" was originally published on MoneySense on February 7, 2020. Anyone who has a single stock that makes up more than 5% to 10% of their investment portfolio should be considering if they are overexposed and how to...
Should You Buy Health Insurance In Retirement?
The article "Should You Buy Health Insurance In Retirement?" was originally published on MoneySense on January 29, 2020. Most people have health insurance coverage during their working years, but their employer picks up at least some of the cost. For retirees, the...
Is An RRSP Loan A Good Idea?
The article "Is An RRSP Loan A Good Idea?" was originally published on MoneySense on January 22, 2020. Depending on which tax bracket you're in and whether you have other debt, you might be better off simply directing what you would put towards loan repayments into...
How To Make Sense Of Contradictory Investment Advice
The article "How To Make Sense Of Contradictory Investment Advice" was originally published on MoneySense on January 10, 2020. Nat's looking for help deciding which strategy truly is best: buy and hold for the long term, or sell off “losers” before they hurt your...
How Does Income From A Rental Property Create RRSP Contribution Room?
The article "How Does Income From A Rental Property Create RRSP Contribution Room?" was originally published on MoneySense on January 6, 2020. And, perhaps more importantly, should Jerry, who's retired, claim RRSP deductions or the capital cost allowance, to reduce...
Baby Boomers Have Made A Fortune On Real Estate — Here Are Three Reasons To Consider Cashing Out Now
The article "Baby Boomers Have Made A Fortune On Real Estate — Here Are Three Reasons To Consider Cashing Out Now" was originally published on Financial Post on December 17, 2019. Beware the belief that real estate prices will continue to climb at anywhere near the...
Planning For An Inheritance
The article "Planning For An Inheritance" was originally published on MoneySense on December 10, 2019. Nearly half of Canadians expect to receive an inheritance. But while it's important to consider those potential funds in your own retirement planning, counting on...
How To Recover Financially From Divorce
The Article "How To Recover Financially From Divorce" was originally published on MoneySense on December 4, 2019. Top tips: Try to avoid any hasty decisions regarding real estate, and take the time to ensure you have the amount and type of insurance coverage you need....
A Workplace Pension Could Be Worth Three Times An RRSP — Yet Only 37% Of Canadians Have One
The article "A Workplace Pension Could Be Worth Three Times An RRSP — Yet Only 37% Of Canadians Have One" was originally published on Financial Post on November 26, 2019. Canada's pension coverage lags G8 counterparts. Tax incentives for employers could help fix that....
A Workplace Pension Could Be Worth Three Times An RRSP — Yet Only 37% Of Canadians Have One
The article "A Workplace Pension Could Be Worth Three Times An RRSP — Yet Only 37% Of Canadians Have One" was originally published on Financial Post on November 26, 2019. Canada's pension coverage lags G8 counterparts. Tax incentives for employers could help fix that....
Should You Borrow To Pay Expenses On An Investment Property?
The article "Should You Borrow To Pay Expenses On An Investment Property?" was originally published on MoneySense on November 15, 2019. Garry, who's retired, needs additional cash to cover the cost of maintaining a property he rents out. Should he consider taking out...
Understanding Your Company Pension Plan
The article "Understanding Your Company Pension Plan" was originally published on MoneySense on November 6, 2019. While the specifics can vary quite widely from plan to plan, a good place to start is with the basic differences between “defined benefit” and “defined...
Should I Sell Off Some Investments To Avoid OAS Clawbacks?
The article “Should I Sell Off Some Investments To Avoid OAS Clawbacks?” was originally published on MoneySense on October 29, 2019. Q. I'm due to receive Old Age Security (OAS) benefits next year. I'm concerned because the dividends I receive from my investments will...
“Who’ll Pay For The Cottage If I Die?”
The article "Who'll Pay For The Cottage If I Die?" was originally published on MoneySense on October 16, 2019. Having a mortgage doesn't necessarily mean you need life insurance coverage equal to the amount you owe on it. Q. We are non-residents who recently purchased...
These Are The Election Promises That Could Affect Your Personal Finances
The article "These Are The Election Promises That Could Affect Your Personal Finances" was originally published on Financial Post on October 15, 2019. There's merit in proposals presented by each of the parties, even if some are controversial As a financial planner, I...
What Is A Pension Bridge Benefit And How Does It Work?
The article "What Is A Pension Bridge Benefit And How Does It Work?" was originally published on MoneySense on October 9, 2019. With retirement a couple years away, Kevin is considering his options. Forgoing the bridge benefit may help him enjoy his pension payments...
What The Federal Parties’ 2019 Campaign Platforms Mean For Your Money
The article "What The Federal Parties' 2019 Campaign Platforms Mean For Your Money" was originally published on MoneySense on October 2, 2019. With the election approaching, we asked a financial planner to break down the issues that will hit your wallet. With the...
What Investors Need To Know About Changes To TD e-Series Funds
The article "What Investors Need To Know About Changes To TD e-Series Funds" was originally published on MoneySense on September 24, 2019. TD e-Series Funds have been staples for passive index-fund investors and Canadian Couch Potato enthusiasts for two decades....
The Real ‘Advice Gap’ When It Comes To Financial Planning Has Nothing To Do With Investment Products
The article "The Real 'Advice Gap' When It Comes To Financial Planning Has Nothing To Do With Investment Products" was originally published on Financial Post on September 18, 2019. Investors are suffering from a lack of access to comprehensive financial advice If you...
Will Selling My House Help Me Retire Sooner – And More Securely?
The article "Will Selling My House Help Me Retire Sooner - And More Securely?" was originally published on MoneySense on September 18, 2019. Karen divorced at 55 and worries about carrying mortgage debt when she retires. At the same time, she thinks rent may cost more...
Should You Take Out A Loan To Pay For Your Wedding?
The article "Should You Take Out A Loan To Pay For Your Wedding?" was originally published on MoneySense on September 4, 2019. Saving up for the big day could be easier than you think. Q. My girlfriend and I have been living together in an apartment in downtown...
How To Save For Retirement At A Time When Most Aren’t Saving Much At All
The article "How To Save For Retirement At A Time When Most Aren't Saving Much At All" was originally posted on Financial Post on August 29, 2019. Of course, regular saving is a good way to plan for retirement, but how much to set aside and how to set your targets are...
Can You Make A Transfer From An RESP To A Spouse’s RRSP?
The article "Can You Make A Transfer From An RESP To A Spouse's RRSP?" was originally ublished on MoneySense on August 27, 2019. Ralph has unused savings in a registered education savings plan, and wonders if he can move the taxable portion to his wife's retirement...
What Are The Tax Implications Of Donating Land?
The article "What Are The Tax Implications Of Donating Land?" was originally published on MoneySense on August 20, 2019. Donating, rather than selling, could be a way to put money back in your pocket in the form of a tax refund, while benefitting a charity and the...
What Is Wealth Insurance?
The article "What Is Wealth Insurance?" was originally published on MoneySense on August 15, 2019. Charles wants to know if he should consider buying wealth insurance in order to maximize the after-tax value of his estate. The short answer is: It depends. Q. I've seen...
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