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.
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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,...
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...
What to do when you have insufficient or unused RESP funds
RESPs often fall short of funding a child’s full education, but sometimes an account holder ends up with unused...
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How the Liberals’ re-election impacts RRIFs, taxes and more
The party’s platform proposals may impact RRIF minimum withdrawals, income tax and more. Here’s how Canadians can plan for...
How to avoid RRSP overcontributions when you have a deferred profit sharing plan
Maxing out employer contributions is an easy way to boost your retirement savings. Here’s how to do it without...
Should I draw down my RRIF to avoid estate taxes?
Yes, your estate will pay a high rate of tax on your RRIF when you die. But it usually...
Can you make RRSP contributions after age 71?
Here’s why you might see an RRSP deduction limit on your notice of assessment, even when you’ve already converted...
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2024 tax-filing extensions: What you need to know
There are several personal, trust and corporate income-tax-filing extensions for Canadians this year. Which ones apply to you? ...