The article “Inheriting Cottage Capital Gains” was originally published on MoneySense on August 29, 2017. Jill’s late husband left her a cottage. What happens if she transfers ownership to her stepchildren? Q: My husband passed away last year and left our family cottage to myself and my three adult stepchildren. Right…

The article “Are Investment Fees Tax Deductible?” was originally published on MoneySense on August 22, 2017. Jerry pays a few thousand dollars in monthly fees but they may not be tax deductible Q: I pay a few thousand dollars in monthly fees to the various RRSP funds that I have—all with…

The article “Capital Loss Tax Deductions From Beyond The Grave” was originally published on MoneySense on August 15, 2017. Yvonne’s recently-passed husband had capital losses. Did she maximize the claim on his final tax return? Q: My husband passed away last year and at that time he had unused net capital…

The article “Gifting Your RRIF To Your Children” was originally published on MoneySense on August 8, 2017. Angie wants to give her RRIF to her children while she’s still alive Q: Can I change my RRIF back to RRSPs or put it all in a savings account? Bottom line is I…

The article “Should You Do A Pension Buyback?” was originally published on MoneySense on August 1, 2017. It’s almost always a good idea Q: I have been working at a college for 10 years. The last nine were full-time with pension deductions. My first year was contract and I did not…

The article “The Retirement Reshuffle” was originally published on MoneySense on July 25, 2017. How to rearrange investment accounts in your golden years. Q: I am married with a minor son. My wife and I have been successful saving and investing. Presently we have in excess of fifteen accounts. Mostly in…

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 arranged…

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 sense to use your…

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 cash out our…

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 two questions in regard to my circumstances:…