Objective Financial Partners Blog
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Separation and Divorce: How Do We Split Up Our Investments?
The article “Separation and Divorce: How Do We Split Up Our Investments?” was originally published on MoneySense on October 8, 2020. When a relationship breaks down, there are tax implications arising from the division of investment assets. The end of a relationship will no doubt result in many financial changes,…
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How Much Debt Is Too Much? How To Figure Out If You’re Taking On More Than You Can Handle
The article “How Much Debt Is Too Much? How To Figure Out If You’re Taking On More Than You Can Handle” was originally published on Financial Post on September 29, 2020. The government is racking up debt, but that doesn’t mean households should too Following last week’s throne speech, it…
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Should You Hold Your Mortgage Inside Your RRSP?
The article “Should You Hold Your Mortgage Inside Your RRSP?” was originally published on MoneySense on September 29, 2020. Yvonne wants to know how she can use her RRSP to reduce the mortgage on her current home, or to help with the purchase of a second property. Q. I currently own…
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Should You Buy Real Estate Through A Corporation?
The article “Should You Buy Real Estate Through A Corporation?” was originally published on MoneySense on September 25, 2020. It can make sense to purchase rental or vacation properties through a corporation, but often it’s simpler—and less risky from a tax perspective—to own the real estate personally. One of the…
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I am currently 54 and hoping to retire at 55
Originally published in the Global News – Make The Most of Your Money 123 Newsletter, written by Nancy Grouni, September 18, 2020. – THE QUESTION – “I am currently 54 and hoping to retire at 55. I’m blessed with a defined-benefit pension that offers retirement at 30 years service with…
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What Does A Fee-Only Financial Planner Do, Exactly?
The article “What Does A Fee-Only Financial Planner Do, Exactly?” was originally published on MoneySense on September 15, 2020. And if they don’t sell any financial products, how do fee-only planners get paid? Q. How do you make money, Jason, if you don’t sell any products? –Rob A. Your question is a…
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What A Stock Split Means For Your Portfolio And Tax Situation
The article “What A Stock Split Means For Your Portfolio And Tax Situation” was originally published on MoneySense on September 8, 2020. After recent stock splits for big names like Apple and Tesla, investors may be wondering: What are the tax and investment implications of a stock split? When a…
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Could Selling A Vacation Property Affect Government Pensions?
The article “Could Selling A Vacation Property Affect Government Pensions?” was originally published on MoneySense on September 1, 2020. Colleen wants to sell her trailer but is worried about the impact on her CPP, OAS and GIS benefits. Q. I was wondering what would happen if I sold my mobile home…
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Retirement Planning Can Be So Complex People Avoid It Altogether. Here’s How To Avoid That Trap.
The article “Retirement Planning Can Be So Complex People Avoid It Altogether. Here’s How To Avoid That Trap.” was originally published on Financial Post on August 24, 2020. There are ways it can be simplified Saving for retirement can be a daunting task. For some people, it is difficult enough…
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Should You Buy A Vacation Property?
The article “Should You Buy A Vacation Property?” was originally published on MoneySense on August 24, 2020. A cottage or other vacation property can provide a great way to unwind and spend time with family. But what are some of the financial implications? The benefits of owning a vacation property…
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Is A Personal Injury Settlement Taxable, And Can It Impact OAS or GIS Benefits?
The article “Is A Personal Injury Settlement Taxable, And Can It Impact OAS or GIS Benefits?” was originally published on MoneySense on August 17, 2020. After receiving a personal injury settlement, J is looking for advice on how it might be taxed, and whether it will affect eligibility for government…
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Severance, Pensions and Unemployment at 65: Should You Apply For A Pension If You Get Laid Off?
The article “Severance, Pensions and Unemployment at 65: Should You Apply For A Pension If You Get Laid Off?” was originally published on MoneySense on August 11, 2020. If you got laid off and are trying to maximize your termination package, pension income and EI benefits, consider these things before…
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