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2024 tax-filing extensions: What you need to know
The article "2024 tax-filing extensions: What you need to know" was originally published in MoneySense on April 14, 2025. Photo by wayhomestudio on Freepik. There are several personal, trust and corporate income-tax-filing extensions for Canadians this year. Which...
Jason Heath: What the federal election platforms could mean for your pocketbook
The article "Jason Heath: What the federal election platforms could mean for your pocketbook" was originally published in the Financial Post on April 14, 2025. Photo by TravelScape on Freepik. For this election, perhaps more than any other in recent memory, finances...
Cross Border Financial Planning: U.S. Citizens Living in Canada
Photo designed by Freepik As of November 2024, approximately 700,000 U.S. citizens reside in Canada. Additionally, between 2015 and the third quarter of 2024, over 93,000 Americans were granted permanent residency in Canada. These numbers illustrate a growing trend of...
Cross Border Financial Planning: Considerations for Americans Moving to Canada
Photo designed by Freepik There are numerous reasons why Americans are choosing to move to Canada, whether personal, political, employment-related, or otherwise. However, the process of financial planning for a move to Canada is complex and demands thorough...
Cross Border Financial Planning: Considerations for Canadians Moving to the U.S.
Photo designed by katemangostar on Freepik Financial planning for Canadians moving to the U.S. is a complex process that requires careful preparation and strategic decision-making. Ideally, this planning should begin well before the intended departure date to ensure a...
How often should you update your financial plan?
The article "How often should you update your financial plan?" was originally published in Financial Post November 22, 2024, by Jason Heath. Photo by mindandi on Freepik A plan is never final. Family and financial contexts evolve, and tax rules, markets and interest...
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. Photo by by Anthony Rosenberg from Getty Images Signature. Jason Heath: They could end up costing you if you have...
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. Photo by Tara Winstead from Pexels. Proposed capital gains tax...
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. Photo by by jittawit21. Passing on the premiums might save money today but...
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. Photo by Marcus Aurelius from Pexels. Jason Heath: There is no surefire formula for planning for retirement, so expect the...
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. Photo by designer491 from Getty Images. Last month’s federal budget introduced changes to capital gains tax in Canada....
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. Photo by designer491 from Getty Images. Here’s what to consider before converting an RRSP to a RRIF. Ask MoneySense My husband and I...
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. Photo by TonyIaniro from Getty Images. You can still benefit from deferring Canada Pension Plan payments with less than maximum contributions....
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. Photo by nortonrsx from Getty Images. Doing home renovations? Find out if there are any tax incentives that Canadians...
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. Photo by Mikhail Nilov from Pexels. Get the value appraised before you do...
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. Photo by Mohamad Faizal Bin Ramli from Getty Images. You can amend previous tax returns to include new information, such as investment management fees for a...
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. Photo by charliepix from charliepix. When you die, capital gains tax might apply to some of your assets. Can life insurance help...
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. Photo by by Mikhail Nilov from Pexels. Changing your status to common-law has an impact on your tax return and government benefits. Here’s...
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, reposted March 20, 2024. Photo by by RomoloTavani from Getty Images. Financial planning advice is often catered to wealthier...
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. Photo by by Creativa Images. You may have more money coming in than you think. Jason Heath lists the...
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. Photo by by fizkes from Getty Images. Most registered retirement savings plans are eventually converted to registered retirement income...
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. Photo by Tima Miroshnichenko from Pexels. How to extract...
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. Photo by Samson Katt from Pexels. These individuals are prone to suffer financially when well-intended...
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. Photo by by Zolak from Getty Images. Options are plentiful, but just remember...
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...
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