The article “CPP And OAS After The Death Of A Spouse” was originally published on MoneySense on July 20, 2017. Keith arranged to split pensions with his late wife many years ago. What is he entitled to now? Q: I am 84 and many years ago my wife and I...
The article “The Four Reasons That Retirement Is Costing Canadians More Than Ever” was originally published on Financial Post on July 12, 2017. But despite soaring prices for some popular items at the grocery store, the broader cost of living is not the...
The article “Reasons To Tap RRSPs Before Age 71” was original published on MoneySense on July 12, 2017. Doing this makes sense for plenty of Canadians. Is it the right option for you? Q: If you are self-employed and have a holding company, does it not make...
The article “Should You Use RRSPs To Pay Down The Mortgage?” was originally published on MoneySense on July 5, 2017. Careful, the tax hit may be hefty if you tap your RRSP early Q: My husband and I will have good pensions. He is thinking that we should...
The article “Collecting CPP While Working In The U.S.” was originally published on MoneySense on June 27, 2017. How to transfer Social Security credits from the U.S. to Canada Q: I worked outside Canada for nearly 10 years (1992-2002) in the USA. I have...
The article “What The Loonie’s Roller Coaster Ride Means for Your Financial Planning” was originally published on Financial Post on June 26, 2017. Jason Heath: Investors who have owned foreign investments have benefitted handsomely in recent years...
The article “Tax Facts When Hiring A Nanny” was originally published on MoneySense on June 20, 2017. You have different obligations depending on if your nanny is your employee or is considered self-employed Q: I have four children for whom I can claim...
The article “Why It’s Time for Canada’s Financial Industry to Put the Customer First” was originally published on Financial Post on June 16, 2017. Jason Heath: Why is government hesitating to force advisers to do what is right — to act in...
The article “Retiring To Mexico – For A Lower Tax Rate” was originally published on MoneySense on June 13, 2017. You technically have to pay just 15% on your Canadian income, but there’s more to the story Q: We have a friend living in Mexico 10...
The article “Using Real Estate vs. RRSPs To Fund Retirement” was originally published on MoneySense on June 6, 2017. You’ll have to unwind the RRSP regardless, so watch the tax bill when selling a home for retirement income purposes Q: We have three...
The article “Turning Investment Income Into Mortgage Payments” was originally published on MoneySense on May 30, 2017. For conservative investors, paying down debt provides a great return Q: I have a mortgage of $120,000 with an interest rate of 2.25%...
The article “Retirement Income Jitters” was originally published on MoneySense on May 23, 2017. Penny has a defined benefit pension, but no equities. Will she have enough income in her golden years? Q: I have a defined benefit pension, real estate (but not...
