Objective Financial Partners Blog
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How To Boost Your Retirement Income
Patricia is trying to figure out how best to maximize her retirement income with the least amount of tax payable The article “How To Boost Your Retirement Income” was originally published on MoneySense on May 3rd, 2016. Q: My husband and I are retired and turning 63 and 60 this year.…
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Move Over RRSP, TFSA: Here Are 7 Strategies For Maximizing Investment Returns You Might Not Know About
The article “Move Over RRSP, TFSA: Here Are 7 Strategies For Maximizing Investment Returns You Might Not Know About” was originally published on The Financial Post on April 29, 2016. Investors tend to focus first and foremost on gross returns. Since an investor only gets to keep their net return…
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Recovering From Bad Home Buyers’ Plan Advice
The article “Recovering From Bad Home Buyers’ Plan Advice” was originally published on MoneySense on April 28, 2016. Scott got incorrect tax advice and now he’s trying to figure out the best way to fix things on his tax return Q: I am totally disappointed with my investment advisor’s advice in…
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Capital Gains When Selling Property To Family
The article “Capital Gains When Selling Property To Family” was originally published on MoneySense on April 19, 2016. Johanna sold a property to her sister for a bargain price. Does that mean she pays less tax? Q: Do I have to pay income tax if I inherited a property jointly with my…
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Should I Have Life Insurance In Retirement?
The article “Should I Have Life Insurance In Retirement?” was originally published on MoneySense on April 12, 016. George isn’t sure if his $100 monthly insurance premiums are better off in a savings account Q: I am 59 and mostly retired. My wife and I both have life insurance policies which are costing…
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How To Pay Less Tax On Your RRSP Withdrawals
The article “How To Pay Less Tax On Your RRSP Withdrawals” was originally published on MoneySense on April 5, 2016. Shaune is looking for tax-efficient ways to draw down on his and his wife’s RRSPs in retirement. What should he do? Q: My wife has two RRSP accounts in her name.…
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Why Trust Funds Aren’t Just For Royalty Or The Rich And Famous
The article “Why Trust Funds Aren’t Just For Royalty Or The Rich And Famous” was originally published on The Financial Post on April 1, 2016. Most people think that trust funds are for Hollywood heiresses and British royalty. But many much more average Canadians can benefit from including trusts in…
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Low-Cost Mutual Funds or Robo-Advisor?
The article “Low-Cost Mutual Funds or Robo-Advisor?” was originally published on MoneySense on March 29, 2016. If investing were all about the fees, online advisors would win hands down Q: Thanks to this website, I learned how to read a prospectus and discovered the RRSPs I have at a big bank…
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RRIF or Annuity: Which One Is Right For You?
The article “RRIF or Annuity: Which One Is Right For You?” was originally published on MoneySense on March 22, 2016. Igor is turning 71 and has a choice to make. Here are the pros and cons of each. Q: What are cons and pros of selecting an annuity versus RRIF? I will…
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Be Wary of Private Capital Markets
The article “Be Wary of Private Capital Markets” was originally published on MoneySense on March 18, 2016. Average investors now have options previously restricted to the rich – with all the risks When Ontario joined other provinces with a move to loosen restrictions for investing in private capital markets earlier…
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How To Figure Out How Much Investment Risk You Should Carry In Retirement
The article “How To Figure Out How Much Investment Risk You Should Carry In Retirement” was originally published on The Financial Post on March 18, 2106. Assessing appropriate risk for an investment portfolio is more art than science. While the tools for determining asset allocation between stocks and bonds are…
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Should You Ever Use An RRSP To Pay Tuition Fees?
The article “Should You Ever Use An RRSP To Pay Tuition Fees?” was originally published on MoneySense on March 15, 2016. David is juggling debt and cash flow obligations and wonders how best to reduce their housing costs and cover his children’s education Q: I am a 55-year old with three…
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