How to manage your tax withholding in retirement
Canadians accustomed to annual tax refunds may be surprised to owe tax in retirement and have government benefits clawed...
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When do CPP and OAS pension payment increases happen around your birthday?
Luis asks when his Old Age Security payments will increase now that he is 75. We look at adjustment...
Planning to use your home equity in retirement
Real estate equity is a big part of seniors’ net worth. Some Canadian retirees may want or need to...
Should we draw down my spouse’s RRIF faster?
The benefits of depleting savings to avoid estate taxes depends on many variables. But if you live a decade...
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What to do if your pre-construction condo has dropped in value
Many pre-construction condos bought in recent years, especially in Toronto, are now worth much less. If you can’t close...
How does a U.S.-dollar TFSA work?
If you have tax-free savings accounts in Canadian and U.S. dollars, here’s how to avoid overcontributing.
Is real estate the best investment for a Canadian retiree?
I had three meetings this past week with Canadian clients where I challenged their real estate strategies. Here’s why.
Should you pay off student debt before investing?
If you want to start investing but you’ve got a Canada Student Loan or other student debt to repay,...
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My three kids chose different educational paths. How do I withdraw RESP funds in a way that’s fair to them and avoids unnecessary taxes?
A Certified Financial Planner explains how RESP withdrawals and taxation can work for each of your children, regardless of...