Objective Financial Partners Blog
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How To Earn Tax-Efficient Dividend Income
The article “How To Earn Tax-Efficient Dividend Income” was originally published on MoneySense on January 31, 2017. Just know that your dividends will turn up on your tax return whether you like it or not. Q: If I am holding stocks that pay a dividend in a taxable account, would…
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The RRSP Is Turning 60 This Year, But It Isn’t Planning A Retirement Of Its Own Any Time Soon
The article “The RRSP Is Turning 60 This Year, But It Isn’t Planning A Retirement Of Its Own Any Time Soon” was originally published on Financial Post on January 31, 2017. The Registered Retirement Savings Plan is turning 60 this year. As the RRSP approaches the typical retirement age, participation…
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Investing In Canada As A U.S. Resident
The article “Investing In Canada As A U.S. Resident” was originally published on MoneySense on January 24, 2017. Margaret has received an inheritance in Canada, but lives in the U.S. What should be her next steps? Q: I am a Canadian citizen. I live in the USA with a permanent residency card.…
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When Not To Apply For OAS
The article “When Not To Apply For OAS” was original published on MoneySense on January 17, 2017. Depending on your income, an OAS application could be a huge mistake. Q: I retired early at 60 and I am now 65. I opted to collect my CPP at 60. Now at 65,…
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A Quick and Easy Primer On Capital Gains Tax
The article “A Quick and Easy Primer On Capital Gains Tax” was originally published on MoneySense on January 10, 2017. How capital gains tax works with a TFSA, plus other need-to-know info. Q: Can I save capital gains tax by putting money into a TFSA? Do I have to pay…
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Why You Should Think ‘Smile’ When Planning Your Retirement Spending Path
The article “Why You Should Think ‘Smile’ When Planning Your Retirement Spending Path” was originally published on Financial Post on January 4, 2017. Rudimentary retirement rules of thumb are prevalent in a financial industry that prefers to spend more time focused on stock picking than retirement planning. On that basis,…
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When Not To Contribute To A TFSA
The article “When Not To Contribute To A TFSA” was originally published on MoneySense on January 3, 2017. Richard is looking for some advice on an $80K inheritance. A TFSA isn’t the holy grail of investing. Q: My wife and I would like to put our inheritance (approximately $80,000) into our…
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Decisions, Decisions. Planning For A Stress-Free Retirement
The article “Decisions, Decisions. Planning For A Stress-Free Retirement” was originally published on Retire Happy on December 30, 2016. Retirement is a time of great excitement and the beginning of a new stage of life. As with any big life change, there is also an element of concern, as people…
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Can You Unlock A LIRA Early?
The article “Can You Unlock A LIRA Early?” was originally published on MoneySense on December 20, 2016. In Alberta there are 5 instances when you may be able to. Q: I have a LIRA from my employment some years ago in the amount of $250,000. I live in Alberta. Due to…
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Paying Off Debt With Investment Income
The article “Paying Off Debt With Investment Income” was originally published on MoneySense on December 13, 2016. Shawn can pay off his mortgage with his stock investments. The question is: Should he? Q: I have a mortgage and pay 3.5 percent and make monthly payments. Mortgage owing is $118,000. I currently…
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Help Your Parents Avoid Probate
The article “Help Your Parents Avoid Probate” was originally published on MoneySense on December 6, 2016. Should you buy your parent’s home to dodge probate? Q: My dad wants my brother and I to buy his home in order to avoid probate. I would like to see him keep his name…
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Investing U.S. Stocks In A TFSA
The original article “Investing U.S. Stocks In A TFSA” was published on MoneySense on November 29th, 2016. Avoiding U.S. stocks in your TFSA may lead you to pay more tax Q: In a TFSA, I hold a mutual fund that holds U.S. blue chip stocks. Am I penalized? —Stephen A: Tax-Free Savings…
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