Objective Financial Partners Blog
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What Should Retirees Do With Their Investments Amid COVID-19?
The article “What Should Retirees Do With Their Investments Amid COVID-19?” was originally published on MoneySense on March 23, 2020. With North American stock markets down more than 30% from their recent highs, Canadians who are retired or close to retirement are faced with a choice—to sell or not to…
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How To Protect Your Personal Finances Amid The Coronavirus Chaos
The article “How To Protect Your Personal Finances Amid The Coronavirus Chaos” was originally published on Financial Post on March 18, 2020. With more repercussions to come, there are still steps you can take to protect your financial wellbeing. The initial financial implications of the novel coronavirus have been severe…
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What You Need To Know About Filing Your 2019 Tax Return
The article “What You Need To Know About Filing Your 2019 Tax Return” was originally published on MoneySense on March 4, 2020. Here is a quick primer on claims to take advantage of, the filing deadlines for employees and self-employed taxpayers, what to watch out for, and more. NOTE:…
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How To Ensure Your Inheritance Goes To Your Children And Not The Taxman
The article “How To Ensure Your Inheritance Goes To Your Children And Not The Taxman” was originally published on Financial Post on March 2, 2020. With a little planning, retirees can reduce their lifetime tax payable and minimize the potential tax payable by their estate. Benjamin Franklin once said that…
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Here’s How Much You Should Contribute To Your RRSP For Each Stage Of Your Career
The article “Here’s How Much You Should Contribute To Your RRSP For Each Stage Of Your Career” was originally published on Financial Post on February 25, 2020. How much you need to save for retirement depends on a lot of personal factors EARLY CAREER Tax Free Savings Account (TFSA)…
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Planning For The (potential) Costs Of Long-Term Care
The article “Planning For The (potential) Costs Of Long-Term Care” was originally published on MoneySense on February 10, 2020. Insuring against a potential expense that could range from nothing to hundreds of thousands of dollars, and could happen at any time during a 30-plus year retirement, is challenging. According to…
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Do You Have Too Many Shares In One Company?
The article “Do You Have Too Many Shares In One Company?” was originally published on MoneySense on February 7, 2020. Anyone who has a single stock that makes up more than 5% to 10% of their investment portfolio should be considering if they are overexposed and how to best diversify.…
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Should You Buy Health Insurance In Retirement?
The article “Should You Buy Health Insurance In Retirement?” was originally published on MoneySense on January 29, 2020. Most people have health insurance coverage during their working years, but their employer picks up at least some of the cost. For retirees, the economics of buying similar coverage may not add…
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Is An RRSP Loan A Good Idea?
The article “Is An RRSP Loan A Good Idea?” was originally published on MoneySense on January 22, 2020. Depending on which tax bracket you’re in and whether you have other debt, you might be better off simply directing what you would put towards loan repayments into regular RRSP contributions. Q. My…
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Investment Fee Transparency: Are You Paying Too Much?
The article “Investment fee transparency: Are you paying too much?” was originally published in RetireHappy on January 13, 2020. The Canadian Securities Administrators (CSA) introduced new requirements in 2013 to ensure that investors receive specific information about investment costs and how their investments have performed. These requirements were phased in…
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How To Make Sense Of Contradictory Investment Advice
The article “How To Make Sense Of Contradictory Investment Advice” was originally published on MoneySense on January 10, 2020. Nat’s looking for help deciding which strategy truly is best: buy and hold for the long term, or sell off “losers” before they hurt your portfolio? Q. Several investment sources are giving…
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How Does Income From A Rental Property Create RRSP Contribution Room?
The article “How Does Income From A Rental Property Create RRSP Contribution Room?” was originally published on MoneySense on January 6, 2020. And, perhaps more importantly, should Jerry, who’s retired, claim RRSP deductions or the capital cost allowance, to reduce his lifetime tax payable? Q. I understand that net rental income…
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