The article “Segregated Funds: Are the Investment Guarantees Worth It?” was originally published on MoneySense on September 29, 2015. When someone offers you a guarantee, it’s usually in their best interest, not yours Q: We have recently retired and our financial advisor is very positive on us putting some part of…

The article “Can I Sell My Cottage Tax-Free?” was originally published on MoneySense on September 22, 2015. How to allocate your principal residence exemption and what it’ll cost you Q: How will the $200,000 tax-free capital gains affect our non-principal residence? Is each tenant entitled to $200,000? My wife and I are…

The article “Can I Avoid Probate?” was originally published on MoneySense on September 15, 2015. Spike is settling an estate and trying to determine which assets are subject to probate Q: Do I have to probate cash if that is all there is in an estate? The estimate is $90,000 in…

The article “Cautiously Investing for Retirement” was originally published on MoneySense on September 8, 2015. How to generate retirement income without a company pension plan Q: I have funds sitting in a high interest bank account. I am totally risk adverse because of a partner’s unfortunate business investments and resulting bankruptcy. I have…

The article “How to Make The Most of a Pension Transfer” was originally published on MoneySense on September 1, 2015. Shelter as much of your savings from tax as possible Q: I recently changed jobs and got a letter from the pension plan of my previous employer. The letter gave me several…

The article “Advice For a Conservative Investor” was originally published on MoneySense on August 25, 2015. Taking on too little risk can be a risky strategy in and of itself Q: I have $300,000 in U.S. funds sitting in a bank account getting next to nothing in interest. Being a conservative…

The article “Your Expected Rate of Return” was originally published on MoneySense on August 18, 015. Canadian equity portfolios are expected to yield 6.3% before fees in 2015, according to the FPSC Q: After receiving an average rate of return of about 6.32% over the past several years, I recently changed…

The article “Working While Collecting CPP, OAS” was originally published on MoneySense on August 11, 2015. Over 65? You can choose whether to continue contributing to CPP in order to collect more later on. Q: Can you work and still collect OAS and CPP? I make around $49,000 with my salary…

The article “Paying Off the Line of Credit” was originally published on MoneySense on August 4, 2015. Nancy received an inheritance, took out a line of credit and has spent almost all of it. Now she’s not sure what to do. Q: I inherited a house three years ago. I thought…