Objective Financial Partners Blog
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What To Do With Your Extra Cash
A high-interest savings account is great, but if you’re willing to stray from the safety net, there are potentially more lucrative options The article “What To Do With Your Extra Cash” was originally published on MoneySense on May 24, 2016. Q: I am turning 30 this year and make around $60,000…
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Finding Your Financial Footing
After the death of her spouse and having left her job due to her health, Georgia is left wondering—what’s next? The article “Finding Your Financial Footing” was originally published on MoneySense on May 17, 016. Q: A little over 3 years ago, I became a widow very unexpectedly with two kids. About…
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Leaving An inheritance? Here Are The Most Rewarding Options For Spreading The Wealth
The article “Leaving An inheritance? Here Are The Most Rewarding Options For Spreading The Wealth” was originally published on The Financial Post on May 13, 2016. Most Canadians are worried about ensuring that their savings will last as long as they do — but a select group are pretty sure…
Read MoreWho Should Bother With An RRSP? Part 2
Registered Retirement Savings Plans are the best tax break available for the average Canadian for one simple reason – they give the saver the opportunity to deduct contributions from taxable income and the money you make from your investments won’t be taxed. Not immediately, anyway – you will have to…
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Joint Tenancy vs. Tenants In Common
You can jointly own assets in two ways. Remember, each has different estate planning and tax implications The article “Joint Tenancy vs. Tenants In Common” was originally published on MoneySense on May 10 2016. Q: What is the difference between “joint tenancy” and “joint ownership”? Some years ago my husband and…
Read MoreWho Should Bother With An RRSP? Part 1
Registered Retirement Savings Plans are the best tax break available for the average Canadian for one simple reason – they give the saver the opportunity to deduct contributions from taxable income and the money you make from your investments won’t be taxed. Not immediately, anyway – you will have to…
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How To Boost Your Retirement Income
Patricia is trying to figure out how best to maximize her retirement income with the least amount of tax payable The article “How To Boost Your Retirement Income” was originally published on MoneySense on May 3rd, 2016. Q: My husband and I are retired and turning 63 and 60 this year.…
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Move Over RRSP, TFSA: Here Are 7 Strategies For Maximizing Investment Returns You Might Not Know About
The article “Move Over RRSP, TFSA: Here Are 7 Strategies For Maximizing Investment Returns You Might Not Know About” was originally published on The Financial Post on April 29, 2016. Investors tend to focus first and foremost on gross returns. Since an investor only gets to keep their net return…
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Recovering From Bad Home Buyers’ Plan Advice
The article “Recovering From Bad Home Buyers’ Plan Advice” was originally published on MoneySense on April 28, 2016. Scott got incorrect tax advice and now he’s trying to figure out the best way to fix things on his tax return Q: I am totally disappointed with my investment advisor’s advice in…
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Capital Gains When Selling Property To Family
The article “Capital Gains When Selling Property To Family” was originally published on MoneySense on April 19, 2016. Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax? Q: Do I have to pay income tax if I inherited a property jointly with my…
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Should I Have Life Insurance In Retirement?
The article “Should I Have Life Insurance In Retirement?” was originally published on MoneySense on April 12, 016. George isn’t sure if his $100 monthly insurance premiums are better off in a savings account Q: I am 59 and mostly retired. My wife and I both have life insurance policies which are costing…
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How To Pay Less Tax On Your RRSP Withdrawals
The article “How To Pay Less Tax On Your RRSP Withdrawals” was originally published on MoneySense on April 5, 2016. Shaune is looking for tax-efficient ways to draw down on his and his wife’s RRSPs in retirement. What should he do? Q: My wife has two RRSP accounts in her name.…
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