Objective Financial Partners Blog
What To Do With a Windfall
The article “What To Do With a Windfall” was originally published on MoneySense on July 21, 2015. One of the best things you can do with a sudden influx of cash is nothing, at first Q: I am getting a small windfall soon. The money would pay off the rest of…
Am I Saving Enough for Retirement?
The article “Am I Saving Enough for Retirement?” was originally published on MoneySense on July 14, 2015. How to find the answer using a reasonable set of assumptions Q: I have $160,000 in my RRSP. I am 58 years old and would like to retire at age 70. I am currently making…
Why Ontario’s Financial Advice Industry is Fraught With More Issues Than Insiders Are Willing to Admit
The article “Why Ontario’s Financial Advice Industry is Fraught With More Issues Than Insiders Are Willing to Admit” was originally published on The Financial Post on July 10, 2015. It has been almost two years since Ontario first raised the prospect of regulating the financial planning industry. Now all the anticipation is…
So You’ve Inherited Real Estate
The article “So You’ve Inherited Real Estate” was originally published on MoneySense on July 7, 2015. Capital gains and other implications to consider Q: I have just inherited a home with my brother and sister valued at about $450,000. I was thinking of buying them out and selling the home in…
RRIF Risks Remain Even After Government Updates Rules
The article “RRIF Risks Remain Even After Government Updates Rules” was originally published on The Financial Post on July 2, 2015. Outdated RRIF rules were changed in the recent federal budget, but there are still a number of real RRIF risks for retirees. A new pension policy paper from the C.D. Howe…
Is a Couch Potato Portfolio Appropriate For Retirees?
The article “Is a Couch Potato Portfolio Appropriate For Retirees?” was originally published on MoneySense on June 30, 2015. It can be, as long as it meets your cash flow needs Q: My question concerns the Couch Potato Portfolio as outlined in MoneySense. I am 57 years old and wondering if this…
Advice For Small Investors
The article “Advice For Small Investors” was originally published on MoneySense on June 23, 2015. Got less than $100,000 saved? Here’s what you need to know Q: I’m looking for a financial advisor in Edmonton. I only have about $60,000 to invest—the person I originally wanted would only accept over $100,000. I…
When a Do-It-Yourself Will Is Better Than No Will At All
The article “When a Do-It-Yourself Will Is Better Than No Will At All” was originally published on The Financial Post on June 23, 2015. Estate planning and death can be touchy subjects. As a result, wills don’t get nearly the attention that they should. And since they often end up being…
Handling Big Changes at Retirement
The article “Handling Big Changes at Retirement” was originally published on MoneySense on June 16, 2015. Q. My mom is about to retire and I am looking for someone to advise her on the following: – She will be receiving a severance at the end of her term of employment which will…
How Do I Make My Retirement Savings Last?
The article “How Do I Make My Retirement Savings Last?” was originally published on MoneySense on June 9, 2015. Ingrid wants to save enough for the next 30 years Q: I have $700,000 in retirement savings and a small pension of $1,000 a month and CPP and OAS. How should I invest…
Financial Contracts With Family
The article “Financial Contracts With Family” was originally published on MoneySense on June 2, 2015. Angela and her husband are buying out their in-laws’ home Q: My husband and I live with his parents to assist them with care and maintenance of their home. My father-in-law is an amputee and the…
Ready To Retire Without A Plan?
The article “Ready To Retire Without A Plan?” was originally published on MoneySense on May 26, 2015. You’re not alone. Here’s what you need to consider in terms of tax and investments Q: We are ready to retire within a few months. We are not sure how to handle our investments. We…
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