Objective Financial Partners Blog
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Should Partners Combine Their Finances Before Marriage?
The article “Should Partners Combine Their Finances Before Marriage?” was originally published on MoneySense on July 19, 2019. Mathew wants to help his girlfriend kickstart an investing plan. Is gifting money for her TFSA a good idea? Q. Should I gift my girlfriend of two years money to put in her…
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What You Need To Know If You’re Making The Leap From Land Owner To Landlord
The article “What You Need To Know If You’re Making The Leap From Land Owner To Landlord” was originally published on Financial Post on July 16, 2019. Here are some tips on financing, taxation and what you can expect from future price growth Home ownership rates in Canada have stayed…
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Should You Use Your RRSP To Fund A Later-in-Life University Degree?
The article “Should You Use Your RRSP To Fund A Later-in-Life University Degree?” was originally published on MoneySense on July 11, 2019. At 58, Agatha plans to pursue a master’s degree. Should she use tap into her retirement savings to fund her education? Q. I’m 58 years old and I retired…
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Moving To The U.S.? Here’s What To Do With Your Canadian Investments
The article “Moving To The U.S.? Here’s What To Do With Your Canadian Investments” was originally published on MoneySense on June 26, 2019. Set to start a new job south of the border, Justin will need to consider that registered and non-registered accounts are treated differently. Q. I’m planning on taking…
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When It Comes To Your Financial Plan, Think Process, Not Product
The article “When It Comes To Your Financial Plan, Think Process, Not Product” was originally published on Financial Post on June 19, 2019. Jason Heath: A financial plan is more than a one-time event, and it certainly shouldn’t exist solely in your head The “financial planner” title is unregulated in…
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The Bank Of Grandma And Grandpa
The article “The Bank Of Grandma And Grandpa” was originally published on MoneySense on June 12, 2019. Sol wants to contribute to his grandkids’ future with annual gifts he’ll start now. What’s the best way to manage the money outside of RESPs? Q. I’d like to start gifting $3,000 a year…
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“Will My Hard-Working Teen Have To Pay Tax On Withdrawals From Our Family RESP?”
The article “Will My Hard-Working Teen Have To Pay Tax On Withdrawals From Our Family RESP?” was originally published on MoneySense on June 5, 2019. Scott is wondering how to split Registered Education Savings Plan funds between his children to minimize the tax payable on withdrawals. Q. I have a family…
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What To Do With A Monetary Advance On Your Inheritance
The article “What To Do With A Monetary Advance On Your Inheritance” was originally published on MoneySense on May 28, 2019. Maureen’s husband wants to put a $200,000 gift from her parents toward their mortgage, but she isn’t convinced. Q. My amazing parents are downsizing and have decided to gift my…
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Why Saving Too Much For Retirement Is Just As Risky As Saving Too Little
The article “Why Saving Too Much For Retirement Is Just As Risky As Saving Too Little” was originally published on Financial Post on May 22, 2019. Only 20 per cent of 65-year old Canadians will live for 30 years — and that means their money will far outlive them Professional…
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Can Canadian Seniors Collect Government Benefits While Still Working?
The article “Can Canadian Seniors Collect Government Benefits While Still Working?” was originally published on MoneySense on May 21, 2019. Rose is transitioning to semi-retirement at 65, and wonders about the tax and clawback implications of receiving CPP and OAS. Q. This fall, I will celebrate my 65th birthday, and plan…
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Advice On Making Your First Home More Affordable
The article “Advice On Making Your First Home More Affordable” was originally published on MoneySense on May 14, 2019. Irene and her partner want to buy a house with savings, some help from her dad and a mortgage from an alternative lender. What are the implications? Q. My partner and I…
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Avoiding Future Interest Is One Way To Look At Your Return On Investment
The article “Avoiding Future Interest Is One Way To Look At Your Return On Investment” was originally posted on MoneySense on May 7, 2019. Should Vince cash out his medical pension to pay down his mortgage, or keep it as an indexed $400 per month for life? Q. I’m 47 years…
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