Objective Financial Partners Blog
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…
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…
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…
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…
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…
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…
Your Guide To Getting Started On Saving, Even If You Have Debt
The article “Your Guide To Getting Started On Saving, Even If You Have Debt” was originally published on CreditCards.com by Aaron Broverman on March 10, 2016. When it comes to saving money, especially if you carry debt, the available advice can be confusing. It’s often not clear how much money…
Pay Down The Mortgage or Invest?
The article “Pay Down The Mortgage or Invest?” was originally published on MoneySense on March 8, 2016. Liam has a house that he’s planning to convert to a rental property. Should he pay down his mortgage or invest with his extra cash flow? Q: I’m 21 and I’m currently purchasing a…
Four Ways To Assess Whether An Investment Adviser Is Right For You
The article “Four Ways To Assess Whether An Investment Adviser Is Right For You” was originally published on The Financial Post on March 7, 2016. When you work with an investment adviser, you are making an investment in them. Every day that you continue to work with them, you are…
CPP Pension Splitting After a Divorce
The article “CPP Pension Splitting After a Divorce” was originally published on MoneySense on March 3, 2016. Contributions you made while living with your former spouse are eligible for a split, leading to a pension boost Q: I am currently separated and I would also like to apply for the CPP…
CPP Pension Splitting After A Divorce
The article “CPP Pension Splitting After A Divorce” was originally published on MoneySense on March 3, 2016. Contributions you made while living with your former spouse are eligible for a split, leading to a pension boost Q: I am currently separated and I would also like to apply for the CPP benefit…
Tax Deductible Expenses When Selling a Cottage
The article “Tax Deductible Expenses When Selling a Cottage” was originally published on MoneySense on March 1, 2016. Minimize capital gains taxes by making smart reno choices Q: We are planning to sell the cottage in the next year or so and I would like to know what kind of renovations/improvements…
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