Objective Financial Partners Blog
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When Not To Contribute To A TFSA
The article “When Not To Contribute To A TFSA” was originally published on MoneySense on January 3, 2017. Richard is looking for some advice on an $80K inheritance. A TFSA isn’t the holy grail of investing. Q: My wife and I would like to put our inheritance (approximately $80,000) into our…
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Decisions, Decisions. Planning For A Stress-Free Retirement
The article “Decisions, Decisions. Planning For A Stress-Free Retirement” was originally published on Retire Happy on December 30, 2016. Retirement is a time of great excitement and the beginning of a new stage of life. As with any big life change, there is also an element of concern, as people…
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Can You Unlock A LIRA Early?
The article “Can You Unlock A LIRA Early?” was originally published on MoneySense on December 20, 2016. In Alberta there are 5 instances when you may be able to. Q: I have a LIRA from my employment some years ago in the amount of $250,000. I live in Alberta. Due to…
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Paying Off Debt With Investment Income
The article “Paying Off Debt With Investment Income” was originally published on MoneySense on December 13, 2016. Shawn can pay off his mortgage with his stock investments. The question is: Should he? Q: I have a mortgage and pay 3.5 percent and make monthly payments. Mortgage owing is $118,000. I currently…
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Help Your Parents Avoid Probate
The article “Help Your Parents Avoid Probate” was originally published on MoneySense on December 6, 2016. Should you buy your parent’s home to dodge probate? Q: My dad wants my brother and I to buy his home in order to avoid probate. I would like to see him keep his name…
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Investing U.S. Stocks In A TFSA
The original article “Investing U.S. Stocks In A TFSA” was published on MoneySense on November 29th, 2016. Avoiding U.S. stocks in your TFSA may lead you to pay more tax Q: In a TFSA, I hold a mutual fund that holds U.S. blue chip stocks. Am I penalized? —Stephen A: Tax-Free Savings…
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What Is In A Financial Plan?
The article “What Is In A Financial Plan?” was originally published in MoneySense on November 22, 2016. Here’s exactly what a financial plan from a fee-only planner entails Q: With a fee-only financial planner, what would I receive in a financial plan? —James A: The short answer, James, is it depends. Now,…
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What Happens To An RESP When You Die
The article “What Happens To An RESP When You Die” was originally published in MoneySense on November 15, 2015. Wayne has an RESP for a child he’s not related to. Who will the money go to? Q: I am the account subscriber for an RESP for a child to whom I…
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Can I Reset My TFSA?
The article “Can I Reset My TFSA?” was originally published on MoneySense on November 8, 2016. John has lost money in his TFSA and he wants to figure out the best way to make lemonade out of his lemons Q: I have a question on TFSAs. I have lost money on…
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Financial Planning for Seniors and their Adult Children
Life is full of uncertainty. Unfortunately, this can be especially true as we age. Declining health and death of a spouse are two life events common to seniors that will change their world – and sometimes overnight. A comprehensive financial and investment plan will address a number of issues that arise as…
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What Happens To A TFSA After You Die?
The article “What Happens To A TFSA After You Die?” was originally published on MoneySense on November 1, 2016. There are three things you can do to make sure your TFSA goes to who you want Q: I have topped up my TFSA to date and my wife has done the…
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Can I Retire In 6 Months?
The article “Can I Retire In 6 Months?” was originally published on MoneySense on October 25, 2016. Walter, 63, may be forced into retirement next spring. But is he ready? Q: My wife and I have been married for 14 years (my first wife passed away). Janie is not working outside…
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