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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 expectancy is an important, albeit challenging factor…
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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. Registered retirement savings plans (RRSPs) have been around since…
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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 of…
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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 and a fresh start, and…
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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 retirement is a relatively new one that…
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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. Q. I am 55 years old, recently…
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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 Muslims have unique constraints when looking for investment options that fit their…
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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 financial institution that…
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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 write a will, it is your…
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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 other co-owner would like…
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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 outside the box Historically, companies have provided pension…
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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 should try to involve both spouses in money discussions.…
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