Objective Financial Partners Blog
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Capital Gains Tax: Selling Non-Registered Investments
The article “Capital Gains Tax: Selling Non-Registered Investments” was originally published on MoneySense on May 12, 2015. Sara’s fiancé is paying lots of tax on his non-registered investment income. And as time goes on, the tax to sell the investments continues to grow. What should he do? Q: My fiancé, 38, is…
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How To Drain A RRIF
The article “How To Drain A RRIF” was originally published on MoneySense on May 5, 2015. Q: If one does not care to leave any RRIF capital for their heirs, one could spend and enjoy the RRIF returns and some capital every year until the capital is almost depleted by the expected age…
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How to Build a Simple Do-It-Yourself Investment Portfolio
The article “How to Build a Simple Do-It-Yourself Investment Portfolio” was originally published on The Financial Post on May 4, 2015. More and more investors are managing their own investments or considering doing so. A J.D. Power survey found an increase of more than 50-per-cent in do-it-yourself investors from 2012 to 2013…
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Scared to Spend Your Retirement Savings?
The article “Scared to Spend Your Retirement Savings?” was originally published on MoneySense on April 28, 2015. David is sitting pretty going into retirement but he’s reluctant to draw on his savings at all Q: I’m 56, have no debt, make about $78,000 a year and own my townhouse. I will have…
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Joint Tenancy: How it Affects Capital Gains and Probate Fees
The article “Joint Tenancy: How it Affects Capital Gains and Probate Fees” was originally published on MoneySense on April 21, 2015. Kim did some estate planning with her mother to avoid capital gains tax and probate fees. But it only half-worked. Q: I have joint tenancy with my mother on two…
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Financial Planner Without a Plan
The article “Financial Planner Without a Plan” was originally published on MoneySense on April 14, 2015. Despite having worked with several bank reps, George still doesn’t have a plan and it’s costing him dearly Q: I am a consultant and I am 62 years old. My wife is retired and is 60.…
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When Should Savings Take Priority Over Debt?
The article “When should savings take priority over debt?” was originally published on CreditCards.ca on August 11th 2015, by Josephine Lim Often, if you have a large amount of high-interest debt, it should take a higher priority over building savings. Sure, you should add a little to your savings account from…
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You Spring-Clean Your House — Why Not Your Finances?
The article “You Spring-Clean Your House – Why Not Your Finances? Here’s How to Buff Up Your Budget” was originally published on The Financial Post on April 10, 2015. Here’s How to Buff Up Your Budget Many Canadians engage in regular spring cleaning rituals like checking fire alarms, rotating mattresses and planting…
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How to Maximize Government Pensions
The article “How to Maximize Government Pensions” was originally published on MoneySense on April 7, 2015. The timing of when to begin CPP can be more art than science Q: I am 65 in November and have applied for my CPP. I am considering applying for OAS, but know a huge…
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When Your Adviser Stops Caring
The article “When Your Adviser Stops Caring” was originally published on MoneySense on March 31, 2015. John had his adviser’s attention at first. Now it’s started to wane. What should he do now that he seems to have lost his adviser’s attention? Q: I have had the same investment adviser since…
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Pension Withdrawals: Lump-Sum vs. Deferred Payment
The article “Pension Withdrawals: Lump-Sum vs. Deferred Payment” was originally published on MoneySense on March 24, 2015. Bill is trying to make a choice between taking a lump-sum commuted value from his defined benefit pension or simply taking a monthly payment Q: I am about to make a decision on whether…
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Now and Then: Do Canadian Homes Really Cost That Much More Than 30 Years Ago?
The article “Now and Then: Do Canadian Homes Really Cost That Much More Than 30 Years Ago?” was originally published on The Financial Post on March 24, 2015. It’s hard to scan a Canadian newspaper these days without coming across an article about the country’s lofty real estate prices. And it’s also…
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