Objective Financial Partners Blog
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Maximize OAS With A Corporation
The article “Maximize OAS With A Corporation” was originally published on MoneySense on April 4, 2017. Gillian is facing major clawbacks. Here are solutions for her predicament Q: My name is Gillian and I have an incorporated company located in the Province of Alberta. I am 67 years old and still…
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Paying Tax On Rental Income While Living Outside Canada
The article “Paying Tax On Rental Income While Living Outside Canada” was originally published on MoneySense on March 28th, 2017. Ed lives abroad and wonders if he should contribute to an RRSP to lower tax on his Canadian rental income. Q: I am a Canadian citizen and non-resident of Canada. I…
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How To Qualify For EI Benefits In Retirement
Just because you paid loads into a program doesn’t mean you’ll get EI benefits when you retire. Q: I’m a 75-year old male, working part-time and contributing to EI every 2 weeks; and have been for 10 years. I do have CPP and OAS income. Do I qualify to collect EI…
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Are U.S. Stocks Overvalued?
The article “Are U.S. Stocks Overvalued?” was originally published on MoneySense on March 22, 2017. Rod is concerned about valuations on the S&P 500. Is a U.S. stock market crash imminent? Q: It is my understanding that the P/E ratio of the S&P 500 is hovering around 28. In the last…
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Collecting CPP And OAS While Living In The U.S.
The article “Collecting CPP And OAS While Living In The U.S.” was originally published on MoneySense on March 7, 2017. Brian wants to start collecting his CPP and OAS pensions while working in the U.S. Can he? And should he? Q: I am employed in the USA with a good income.…
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How To Know A Spousal RRSP Is Right For You
Wayne’s wife has no RRSP room, so he’s hoping she can use some of his. But there’s a better way. Q: I have lots of room in my RRSPs, but I am retired on a lower income. My wife still works and has no room in her RRSPs. Is there a…
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Banks’ Dirty Little Secret: You Can Hold Your Mortgage In Your RRSP — But Is It Worth The Trouble?
The article “Banks’ Dirty Little Secret: You Can Hold Your Mortgage In Your RRSP — But Is It Worth The Trouble?” was originally published on Financial Post on February 27, 2017. There are a lot of reasons why holding your mortgage in your RRSP is appealing. And there are a…
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What To Do With Unused RESP Money
The article “What To Do With Unused RESP Money” was originally published on February 21, 2017 on MoneySense. Kevin has $54,000 in an RESP but his children have completed their educations. Now what? Q: My wife and I have a son aged 25 years old and a daughter age 27 years…
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There’s More To The RRSP Than Mutual Funds and ETFs, But You Have To Tread Cautiously
The article “There’s More To The RRSP Than Mutual Funds and ETFs, But You Have To Tread Cautiously” was originally published on Financial Post on February 17, 2017. At this time of year, we are bombarded by marketing to buy the same RRSP investments we have always purchased in the…
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How Much Should You Pay in Investment Fees?
The article “How Much Should You Pay in Investment Fees?” was originally published on MoneySense on February 14, 2017. Fee info is hard to find online. Here’s advice Q: What do you think the fees for investment management at, let’s say, RBC, TD, BMO, or any of the big banks should be…
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Yield Matters So Here’s A Primer On High-Dividend-Paying Stock, Bond and ETF Options to Fund Your RRSP
The article “Yield Matters So Here’s A Primer On High-Dividend-Paying Stock, Bond and ETF Options to Fund Your RRSP” was originally published on Financial Post on February 7, 2017. Interest rates have stayed lower so much longer than most would have expected after the 2008 financial crisis. The U.S. Federal…
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Filing Taxes While Holding U.S. Investments in Canada
The article “Filing Taxes While Holding U.S. Investments in Canada” was originally published on MoneySense on January 7, 2017. Does moving U.S. dollar investments from the U.S. to Canada make a difference? Q: I have investment money that originated with a U.S. management company, but I moved it to a Canadian…
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