Objective Financial Partners Blog
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What To Expect (Financially) When You’re Expecting
The article “What to expect (financially) when you’re expecting” was originally published in Financial Post on September 20, 2021. Photo by Kristina Paukshtite from Pexels. New parents have a lot to learn and these financial considerations can help families feel a bit more prepared. I am a father of three…
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How To Avoid OAS Clawback When You’ve Had A Temporary Increase In Income
The article “How to avoid OAS clawback when you’ve had a temporary increase in income.” was originally published in MoneySense on September 14, 2021. A one-time bump in Sam’s income triggered an Old Age Security benefit clawback, and he wants to know if there is a remedy. Q. I liquidated a…
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Incorporated Business Owners: Should You Pay Yourself A Salary?
The article “Incorporated business owners: Should you pay yourself a salary?” was originally published in MoneySense on September 8, 2021. Photo by fauxels from Pexels. If you own an incorporated business, you can pay yourself a salary—but sometimes it’s the wrong choice. When it comes to their own compensation, a…
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How To Minimize Tax And Maximize Impact When Passing Your Savings To The Next Generation
The article “How to minimize tax and maximize impact when passing your savings to the next generation” was originally published in Financial Post on August 30, 2021. Photo by N Voitkevich from Pexels. Jason Heath: If you have more money than you’ll need in retirement, consider putting these strategies to…
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Transferring Employer Pensions To LIRAs, LIFs and RRSPs
The article “Transferring employer pensions to LIRAs, LIFs and RRSPs?” was originally published in MoneySense on August 30, 2021. Photo by Pavel Danilyuk from Pexels. Q. I have a new LIRA valued at $102,500 from leaving an old employer. Can I transfer this money to a LIF, then to an RRSP?…
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FP Answers: How Do I Invest After I Have Topped Up My TFSA and RRSP?
The article “FP Answers: How do I invest after I have topped up my TFSA and RRSP?” was originally published by Julie Cazzin on August 27, 2021 in Financial Post. Photo by Mikhail Nilov from Pexels. Try these other strategies to minimize investment taxes if you have run out of…
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Home Buyers: How Large Should Your Down Payment Be?
The article “Home buyers: How large should your down payment be?” was originally published in MoneySense on August 23, 2021. Photo by SHVETS production from Pexels. Is it best to maximize your down payment on a house or condo purchase, or keep some money to invest? When you buy a…
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FP Answers: My Income Has Doubled And I Need To Learn How To Invest It Better. Help?
The article “FP Answers: My income has doubled and I need to learn how to invest it better. Help?” was originally published by Julie Cazzin with Brenda Hiscock on August 20, 2021 in Financial Post. Suddenly more than doubling your salary is exciting. But it can also bring more investment…
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How Much Should You Withdraw From Your RRIF?
The article “How much should you withdraw from your RRIF?” was originally published in MoneySense on August 16, 2021. Sandy wants to deplete a registered retirement income fund by age 90 and wonders how much to take out each year. Q. I am 78 and have $330,000 in my RRIF account.…
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Are Interest Payments Tax Deductible?
The article “Are interest payments tax deductible?” was originally published in MoneySense on August 9, 2021. Interest paid may be tax deductible under the right circumstances. Find out which scenario might apply to you. Taxpayers may be eligible to claim a tax deduction for interest paid on a loan or…
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Can You Change Your Mind About Taking CPP Early?
The article “Can you change your mind about taking CPP early?” was originally published in MoneySense on August 3, 2021. Photo by Anna Shvets from Pexels. Rena started receiving Canada Pension Plan benefits at age 60 and wants to know if she can now defer the pension, or if other…
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Divorce Over 50: Managing Your Finances If You Find Yourself Single In The Run-up To Retirement
The article “Divorce over 50: managing your finances if you find yourself single in the run-up to retirement” was originally published in MoneySense on July 28, 2021. Photo by Pavel Danilyuk from Pexels. “Grey divorce” is on the rise—and it can have significant financial impacts, from daily cash flow to…
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