Objective Financial Partners Blog
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Money In Too Many Places
The article “Money In Too Many Places” was originally published on MoneySense on November 24, 2015. In most cases, an overly complicated portfolio will work against you and your future heirs. Here’s why and how to fix it. Q: My finances are a mess! I have: -RRSPs with 2 different investment…
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How To Gift Money To Your Children
The article “How To Gift Money To Your Children” was originally published on MoneySense on November 17, 2015. Carmen is considering an RRIF withdrawal to transfer money to her children. But is there a better way? Q: I would like to give some money to my children while I’m still alive. If I take it out…
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Paying Capital Gains Tax On An Ex’s Property
The article “Paying Capital Gains Tax On An Ex’s Property” was originally published on MoneySense on November 10, 2015. Do the taxes kick in when Mary moved out in 1994 or when her spouse died in 2013? Q: I am in a unique situation. I separated from my husband in late…
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Women Are Increasingly Taking the Financial Reins — and That’s a Good Thing
The article “Women Are Increasingly Taking the Financial Reins — and That’s a Good Thing” was originally published on The Financial Post on November 6, 2015. Would you be insulted if someone told you that you “invest like a girl”? Studies suggest that a more appropriate reaction would be to feel flattered.…
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Managing Investment Income in Your RRSP
The article “Managing Investment Income in Your RRSP” was originally published on MoneySense on November 3, 2015. You won’t have to pay capital gains taxes within your RRSP— at least not yet Q: My wife and I have moved all of our RRSP mutual funds to self-directed accounts, maintaining the protection of…
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The Right Time to Sell a Rental Property
The article “The Right Time to Sell a Rental Property” was originally published on MoneySense on October 27, 2015. Consider the tax liability currently versus in the first year of retirement Q: We have a rental property that provides a decent return, but we are tired of the responsibility and wish to sell…
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How The New Border Tracking System Could Affect Your Government Benefits
The article “How The New Border Tracking System Could Affect Your Government Benefits” was originally published on The Financial Post on October 27, 2015. For snowbirds just starting to plan their packing for this winter’s trip south, a recent report about more robust exit-tracking may have given some seniors pause — especially at…
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Where to Get Good Investment Advice Even if You Don’t Have a Lot of Capital
The article “Where to Get Good Investment Advice Even if You Don’t Have a Lot of Capital” was originally published on The Financial Post on October 23, 2015. All Canadians are looking for good investment advice and now, more than ever before, there is a wide divide between the bad and the…
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Transferring RRSP Stocks to a Dividend Reinvestment Plan
The article “Transferring RRSP Stocks to a Dividend Reinvestment Plan” was originally published on MoneySense on October 20, 2015. Watch out—a DRIP could affect your asset allocation Q: I have a locked-in RRSP that has some stocks. The companies for those stocks offer dividend reinvestment plans. However, because my RRSP is with a…
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Power of Attorney and Taxes: What You Need to Know
The article “Power of Attorney and Taxes: What You Need to Know” was originally published on MoneySense on October 13, 3015. Ownership and other technicalities are factors Q: If we have a client in Nova Scotia that has power of attorney for their mother who is in a nursing home and…
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Is It Time to Sell Your Rental Property? Or Time to Buy Another?
The article “Is It Time to Sell Your Rental Property? Or Time to Buy Another?” was originally published on The Financial Post on October 6, 2015. According to Statistics Canada, 69 per cent of Canadians own homes, so most of us have reason to worry about the fate of the housing market.…
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Retiring In A Down Market
The article “Retiring In A Down Market” was originally published on MoneySense on October 6, 2015. Should David live off cash savings instead of selling his investments at a loss? Q: We have investments that are set up with a fund advisor and we have a cash account that is currently…
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