Objective Financial Partners Blog
Here Are The Six Biggest Mistakes Retirees Make With Their Investments
The article “Here Are The Six Biggest Mistakes Retirees Make With Their Investments” was originally published on Financial Post on December 7, 2017. Jason Heath: There are lots of mistakes that investors make, but there are six common ones I observe specifically with retirees The financial industry and media focus…
Is An RRSP Worth It If You’re Retiring Abroad?
The article “Is An RRSP Worth It If You’re Retiring Abroad?” was originally published on MoneySense on December 5, 2017. It makes sense from a tax perspective but might make investing a hassle Q: I am a permanent resident living in Canada. Is it worth me investing in an RRSP, when…
When Using RRSP Money For Debt Is A Bad Idea
The article “When Using RRSP Money For Debt Is A Bad Idea” was originally published on MoneySense on December 2, 2017. You may have to withdraw twice the amount you owe Q: My wife and I currently have a mortgage of $297,000. On top of that we’ve had to dip into…
How To Evaluate Your Group Savings Plan At Work
The original article “How To Evaluate Your Group Savings Plan At Work” was originally published on MoneySense on November 28, 2017. Is Renee paying too much for her investments? Q. I have been registered with an insurance company through my employer since 2001. At the present time, I have about $50,000…
Owning Canadian Stocks As A U.S. Resident
The article “Owning Canadian Stocks As A U.S. Resident” was originally published on Moneysense on November 14, 2017. What are the capital gains consequences? Q: I live in the USA but still have some stocks in a Canada brokerage. If I should sell them what is the capital gains I pay since…
LIRA Regrets
The article “LIRA Regrets” was originally published on MoneySense on November 14, 2017. This woman’s husband transferred his workplace pension to a high-fee LIRA and is looking for a smarter solution Q: My husband worked for a municipality and when he left we transferred the money into a LIRA. I’ve realized…
How To Choose The Right Insurance
The article “How To Choose The Right Insurance” was originally published on MoneySense on October 31, 2017. Tara isn’t sure if mortgage, life or disability insurance is the right way to go for her and her husband. Q: My husband is 57 and I am 45. I am currently a stay…
REIT Investing: The Risks of Chasing Returns
The article “REIT Investing: The Risks of Chasing Returns” was originally published on MoneySense on October 24, 2017. This reader is happy with his real estate returns but not with his other equities. Should he transfer to REITs? Not so fast. Q: My wife and I are both retired. She is…
Planning Through Salary Swings
The article “Planning Through Salary Swings” was originally published on MoneySense on October 18, 2017. How to best plan given uncertain income Q: My income fluctuates quite widely from year to year. How do I plan for this and how do I handle the tax implications of such income swings? —David A: Yours…
Why Singling Out Business Owners Is Good Politics, But Bad Tax Policy
The article “Why Singling Out Business Owners Is Good Politics, But Bad Tax Policy” was originally published on Financial Post on October 11, 2017. Jason Heath: The proposed tax changes miss the mark if the Liberals truly want wealthy Canadians to pay more Let me start by confessing that I am…
Disability Tax Credit: Are You Missing Out On This Misunderstood Tax Credit?
The article “Disability Tax Credit: Are you missing out on this misunderstood tax credit?” was originally published in RetireHappy on October 10, 2017. Though many are aware that the disability tax credit is available for those who suffer from a “severe or prolonged physical or mental impairment,” many taxpayers may…
The Best Way To Use Your RRSP To Invest In Real Estate
The article “The Best Way To Use Your RRSP To Invest In Real Estate” was originally published on MoneySense on October 10, 2017. Avoid the risk of real estate investing by considering these options Q: What investments are eligible inside an RRSP? How do I use the funds in my RRSP…
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