Objective Financial Partners Blog
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A Company I Hold Stock In Was Acquired Or Merged—Do Capital Gains Apply?
The article “A company I hold stock in was acquired or merged—do capital gains apply?” was originally published in MoneySense on August 8, 2023. Photo by by Daniel Balakov from Getty Images Signature. Shareholders cannot always prevent a company sale or merger from going ahead. When that happens, do you…
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Can You Trust AI With Financial Advice?
The article “Can you trust AI with financial advice?” was originally published in MoneySense on July 31, 2023. Photo by Tara Winstead from Pexels. Advancements in artificial intelligence have begun to accelerate and are a hot investing topic in 2023. Can AI give financial advice you can trust? I am…
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FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?
The article “FP Answers: What are the problems associated with holding U.S. stocks in a TFSA?” was originally published in Financial Post on July 28, 2023, Last updated Jan 10, 2024. By Julie Cazzin with Andrew Dobson. Photo by DangerJacobs from Getty Images. You may be able to have your cake…
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When Your Child Moves Into Your Rental Property: Capital Gains And How To Claim Principal Residence Exemption
The article “When your child moves into your rental property: Capital gains and how to claim principal residence exemption” was originally published in MoneySense on July 24, 2023. Photo by by DAPA Images. When an adult child moves into their parents’ rental property, the family should be clear on a…
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How to develop a retirement plan
No matter how many years until you plan to retire, there is a benefit to retirement planning to determine your long-term financial trajectory. A retirement plan can help you assess how much you should be saving each month in order to stay on track, and how much you need to…
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How Annuities Work In Canada
The article “How annuities work in Canada” was originally published in MoneySense on July 17, 2023, reposted April 18, 2024. Photo by Kampus Production from Pexels. Annuities have faced headwinds over the past 40 years. But as interest rates climb and baby boomers retire, they’re gaining interest from Canadians. Annuities…
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How To Claim A Child’s Income Below The Basic Personal Amount
The article “How to claim a child’s income below the basic personal amount” was originally published in MoneySense on July 10, 2023. Photo by evgenyatamanenko from Getty Images. Even if a child’s earnings are exempt from income tax, they may be entitled to tax credits or deductions. Here’s how their…
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Fee Only Financial Planning: The Benefits of Transparency and Personalization
Navigating your finances can be an arduous journey. From monthly budgeting to retirement savings, making informed decisions can be tricky. Fee only financial planning provides objective, impartial advice that can assist in making wise choices about how best to maximize your cash flow for the future.
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RRIF withdrawal rules for retirees need to be updated
The article “RRIF withdrawal rules for retirees need to be updated” was originally published in Financial Post July 5, 2023, by Jason Heath. Photo by Yan Krukau from Pexels. Retirees should beware of using the RRIF conversion age or the minimum withdrawal schedule as a guideline. The government and the…
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Should You Include Your Pension In Your Net Worth?
Whether to include a pension in your net worth statement is up for debate. If you choose to do so, know there are a few ways it can be calculated. “I recently retired from the public service here in B.C. and have a defined benefit plan pension. Is there a…
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4 Strategies For Income Splitting With A Lower-Income Spouse
The article “4 strategies for income splitting with a lower-income spouse” was originally published in MoneySense on June 26, 2023. Photo by Nataliya Vaitkevich from Pexels. If one spouse does not work, is it beneficial for the other to invest and buy stocks in their name? The tax implications depend…
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Should You Transfer Your DC Pension Plan To A Discount Brokerage?
The article “Should you transfer your DC pension plan to a discount brokerage?” was originally published in MoneySense on June 26, 2023. Photo by Ono Kosuki from Pexels. “I have been with the same employer for nearly 20 years and have participated in the company’s DC RPP for nearly that…
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