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5 reasons why TFSAs aren’t always the best fit for everyone

By Jason Heath - June 10, 2024

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 debt or RRSP contribution…

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FP Answers: Should I hold onto my capital losses until death to leave a larger inheritance?

By Andrew Dobson - June 7, 2024

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 hike later this month presents more complications…

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Intervivos Gifts – How to Gift When Estate Planning

By Hannah McVean - May 27, 2024

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 after they’re gone. This includes…

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FP Answers: Should I pay myself dividends from my company to avoid CPP premiums?

By Andrew Dobson - May 17, 2024

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 cost you retirement income in the…

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Why your retirement may be different than you expected

By Jason Heath - May 6, 2024

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 unexpected Most discussions around retirement focus on how much…

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How much is capital gains tax in Canada?—and other reader questions answered

By Jason Heath - May 6, 2024

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. This has raised many questions about who is impacted…

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Should you max out your RRSP before converting it to a RRIF?

By Jason Heath - April 29, 2024

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 retired last September. We…

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Should I delay my CPP if I’m not contributing to it?

By Jason Heath - April 22, 2024

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.   Ask MoneySense Do all the advice…

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Are Home Renovations Tax Deductible In Canada?

By Jason Heath - April 12, 2024

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 are able to claim. “We are upgrading our electrical…

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FP Answers: What are the tax consequences of selling a small business to my son?

By Andrew Dobson - April 12, 2024

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 anything. Q: I want to…

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6 Steps to Financial Decluttering

By Thuy Lam - April 8, 2024

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 four people have either lost…

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How to change a past tax return

By Jason Heath - April 8, 2024

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 non-registered account. Here’s how.   Ask…

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