Objective Financial Partners Blog
How To Figure Out How Much Investment Risk You Should Carry In Retirement
The article “How To Figure Out How Much Investment Risk You Should Carry In Retirement” was originally published on The Financial Post on March 18, 2106. Assessing appropriate risk for an investment portfolio is more art than science. While the tools for determining asset allocation between stocks and bonds are…
Should You Ever Use An RRSP To Pay Tuition Fees?
The article “Should You Ever Use An RRSP To Pay Tuition Fees?” was originally published on MoneySense on March 15, 2016. David is juggling debt and cash flow obligations and wonders how best to reduce their housing costs and cover his children’s education Q: I am a 55-year old with three…
Your Guide To Getting Started On Saving, Even If You Have Debt
The article “Your Guide To Getting Started On Saving, Even If You Have Debt” was originally published on CreditCards.com by Aaron Broverman on March 10, 2016. When it comes to saving money, especially if you carry debt, the available advice can be confusing. It’s often not clear how much money…
Pay Down The Mortgage or Invest?
The article “Pay Down The Mortgage or Invest?” was originally published on MoneySense on March 8, 2016. Liam has a house that he’s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow? Q: I’m 21 and I’m currently purchasing a…
Four Ways To Assess Whether An Investment Adviser Is Right For You
The article “Four Ways To Assess Whether An Investment Adviser Is Right For You” was originally published on The Financial Post on March 7, 2016. When you work with an investment adviser, you are making an investment in them. Every day that you continue to work with them, you are…
CPP Pension Splitting After a Divorce
The article “CPP Pension Splitting After a Divorce” was originally published on MoneySense on March 3, 2016. Contributions you made while living with your former spouse are eligible for a split, leading to a pension boost Q: I am currently separated and I would also like to apply for the CPP…
CPP Pension Splitting After A Divorce
The article “CPP Pension Splitting After A Divorce” was originally published on MoneySense on March 3, 2016. Contributions you made while living with your former spouse are eligible for a split, leading to a pension boost Q: I am currently separated and I would also like to apply for the CPP benefit…
Tax Deductible Expenses When Selling a Cottage
The article “Tax Deductible Expenses When Selling a Cottage” was originally published on MoneySense on March 1, 2016. Minimize capital gains taxes by making smart reno choices Q: We are planning to sell the cottage in the next year or so and I would like to know what kind of renovations/improvements…
Watch Out For These Three Potential Pitfalls When Planning Your RRSP Investments
A great deal of attention is focused on what to buy in your RRSP at this time of year. But what about the investments that you shouldn’t make? When it comes to what to avoid, there are three primary considerations: income tax, product selection and investment strategy. Here’s how to…
How CPP Payouts Work When You Already Have A Pension
The article “How CPP Payouts Work When You Already Have A Pension” was originally published on MoneySense on February 16, 2016. Giselle is worried about how her CPP may be affected when she starts to receive her pension and withdraw from her RRSP Q: I am still working at age 63 and…
Why Business Owners Shouldn’t Bother With An RRSP
The article “Why Business Owners Shouldn’t Bother With An RRSP” was originally published on The Financial Post on February 9, 2016. Although RRSPs are the most popular choice for Canadians and their retirement savings, they may not be the best choice — especially for business owners. Like many financial decisions, beware…
Using A TFSA To Finance A Rental Property
The article “Using A TFSA To Finance A Rental Property” was originally published on MoneySense on February 9, 2016. Should Debra cash in her TFSA to buy a cottage or use the money for renovations? Q: My husband and I are both 60 years old and working full time. We’ve just made an offer…
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